Where the money actually goes
Every transaction sorted into fixed commitments, day-to-day spending, occasional bills and debt. Not forty categories you have to interpret: four groups that tell you what you can change and what you cannot.
A one-off financial reset
See what is happening with your money, and what to do next.
Add the CSV files your Australian bank already gives you. ClearLedger sorts the mess, finds what is quietly costing you, and returns a plan you can act on this fortnight. Ten minutes, once, rather than another app to maintain.
- No bank username or password
- No ongoing connection to your accounts
- Worked out in your browser, not on a server
- Download your report, then delete everything
"08/03/2026","VISA-DEBIT 0429 WOOLWORTHS 3421 TOOWONG AU","-84.20"Sat 8 MarWoolworths Toowong−$84.20Groceries·Flexible12/03/2026|DIRECT DEBIT ORIGIN ENERGY BPAY 4412|512.75|DRWed 12 MarOrigin Energy−$512.75Electricity·Irregular13-03-2026,,"AFTERPAY PURCHASE 2 OF 4",48.75,,1204.19Thu 13 MarAfterpay−$48.75Buy now pay later·Debt"19/03/2026","DIRECT CREDIT 105872 BRISBANE LOGISTICS P/L SALARY","2480.00"Thu 19 MarBrisbane Logistics+$2,480.00Salary and wages·Income
Four different banks, four different shapes, one file each. ClearLedger works out the columns, the date order and which way the money went, then names the merchant.
What you get
A completed audit, not a dashboard to keep up with.
A spending allowance you can hold to
One figure, per week or per fortnight, that is what is genuinely left after everything already committed, including a fair share of the bills that only arrive twice a year.
Three things worth doing first
Prioritised by what they are worth in dollars per fortnight, not by how virtuous they sound. Each one shows the transactions it came from.
A report you can keep
The whole audit as a document you can save, print, or take to a financial counsellor. Then delete everything with one button.
Four steps, in order
How a reset runs.
- 01
Export from your bank
Download a CSV from each account you want included. Most Australian banks call it "export transactions" or "download". No login details are ever needed here.
- 02
Add your files
Drop them in. ClearLedger works out the columns, the date order, which way the money went, and which lines are duplicates from overlapping statement periods.
- 03
Confirm the few things it cannot know
How often you are paid, whether every spending account is here, and any transactions it was unsure about. Usually under a dozen questions, not hundreds.
- 04
Read your plan
A snapshot, an allowance, a prioritised action plan, and scenarios you can move. Then download it and delete your data.
Privacy is the product, not a policy page
Your transactions never leave your device.
There is no account to create and no upload step. Your files are read by the browser you are using right now, and every figure in your audit is calculated there. We could not look at your spending if we wanted to, because it is never sent to us.
- Sent to a server
- Nothing
- Stored by us
- Nothing
- Sent to an AI service
- Nothing
- Kept in your browser
- Only if you choose
- Deleted when you say so
- Everything
Being straight about it
What ClearLedger is not.
The budgeting market is crowded, and most of it asks you to become a bookkeeper first. ClearLedger does one job instead: it finishes an audit and hands you the result.
- A daily expense tracker you have to keep feedingNOT THIS
- A bank feed that stays connected to your accountsNOT THIS
- An envelope or zero-based budgeting systemNOT THIS
- A product comparison, credit score or lender assessmentNOT THIS
- A substitute for licensed financial adviceNOT THIS
Questions
The things people ask first.
Do I have to connect my bank account?
No. ClearLedger never asks for a banking username, password or one-time code, and it has no connection to any bank. You export a CSV file yourself and add it here, which means you decide exactly what is included and when.
Where do my transactions go?
Nowhere. The file is read by your own browser and every figure is worked out on your device. Your transactions are not uploaded, not stored on a server, and not sent to any outside service, including any AI service.
How much data do I need?
Three months is the sweet spot. Less than a month and quarterly bills like electricity will not appear at all. ClearLedger tells you what your window can and cannot support rather than quietly averaging over gaps.
What if my bank formats things differently?
That is the normal case, and handling it is the point. ClearLedger reads signed amount columns, separate debit and credit columns, headerless exports, files with account details above the data, and several date formats. If something is genuinely ambiguous it asks, and it shows you what it assumed.
Is this financial advice?
No. ClearLedger describes your own cash flow from your own files and suggests changes to it. It does not know your full circumstances and does not recommend financial products, lenders or investments.
Ten minutes, and you will know.
Start with the sample if you want to see the output before you touch your own files.