The boundary
What this does not do.
What a bank export cannot show
Your HECS or HELP balance
Repayments come out of your pay before it reaches your account, so a bank export shows neither the deduction nor the balance.
Employer super
Contributions go from your employer to your fund. Unless they pass through an account you provided, they are invisible here.
Loan balances and interest rates
A repayment shows the payment, not the principal, the rate or how long is left.
Due dates and minimum payments
These live on statements, not in transaction data.
Accounts you did not include
A card left out of the audit takes its spending with it. The audit will say the picture is incomplete, but it cannot fill the gap.
What cash was spent on
A withdrawal is the last thing a bank can see. This is why the audit asks you about cash rather than guessing.
Who a payment was really for
Money sent to a family member and money paid for a service look identical in an export.
Insurance cover and excess
A premium shows the price of a policy, not what it covers or whether it suits you.
What ClearLedger will not do
Recommend a product
No bank, insurer, lender, fund or card will ever be recommended here, and no comparison is offered.
Assess you for credit
This is not a lender assessment, a serviceability calculation or a credit score.
Give investment advice
Nothing here is a view on what to invest in, when, or through whom.
Replace licensed advice
The audit describes your own cash flow. It does not know your full circumstances, your goals, your tax position or your obligations.
Track you day to day
There is no ongoing feed, no reminders and no streak to maintain. It finishes.
Where to go instead
For decisions beyond your own cash flow, a licensed financial adviser is the right step. If money is causing real hardship, free and confidential financial counselling services operate across Australia, including through community organisations and legal centres, and the audit you produce here is a useful thing to bring to that appointment.