Personal finance, four pillars, one view
Worth Clarity is a personal finance app that brings income, expenses, investments, and savings into one calm view. It forecasts your cash 90 days ahead, watches budgets and bills, and answers questions about your own numbers.
Available to spend
$0
Safe to spend
$7,507
Per day
$536
Everything below ships today, in one free app.
Who it is for
Whether it lands once a month, once a project, or once a payout, Worth Clarity gives it a place in the plan.
Income that swings month to month gets a plan-on figure, a runway, and a forecast that knows which invoices are still due.
See how
One salary, many bills. Rules log both, budgets roll over, and auto-save pays you first before the month can spend it.
See how
Channels become assets with earnings and ROI, brand deals move through a pipeline, and payouts you are owed join the forecast.
See how
Share the headline numbers with a partner or family while every ledger stays private, enforced in the database.
See howWhy it exists
A balance is not a plan. Clarity means knowing what is already spoken for, what is coming, and what that leaves you today.
What you get
Four pillars, one dashboard, and the tools that turn a list of transactions into decisions you can make today.
Your recurring rules and dated entries replay forward. See the low point, the first day below zero, and what a purchase or a raise would change.
30 days
$9,350
+$1,120
60 days
$10,800
+$2,570
90 days
$12,140
+$3,910
Limits per category with on-track, close, and over states. Roll unused budget forward, spread yearly bills into monthly set-asides, and give every rupee a job.
Press ⌘K, type coffee 850 or salary 250k yesterday. Tags, accounts, and categories are inferred, and a live preview shows what will be logged.
Ask how the month is going or what to tackle first. It reads your snapshot, searches your ledger read-only, and drafts changes you confirm.
Daily, weekly, monthly, or yearly rules materialize when due. Bills you pay by hand wait for a one-click Mark as paid, and a calendar feed puts them on your phone.
Salary
Monthly · 25th
Rent
Monthly · 1st
Internet bill
Monthly · 20th
Emergency fund
Monthly · 26th
Cash, savings, a live-priced portfolio, and the assets you own minus what you owe, charted month by month, with a FIRE projection prefilled from your pace.
Net worth
$83,117
How it works
No bank connection to wait for and no import to clean up. Worth Clarity is built around fast entry and rules that do the repetitive part.
One button creates the account and seeds sensible categories. Nothing to configure before you see a dashboard.
A short onboarding asks for your starting balance, your income, and the four or five bills everyone has. Rules start logging them for you.
Press ⌘K and type coffee 4.50. Merchant memory fills the category, split payments handle the rest, and a receipt photo can fill the form.
Safe to spend, the 90-day forecast, budgets, net worth, and the Assistant all improve with every entry. Print a report at month end.
The platform
Everyday cash, the wealth you are building, the understanding behind it, and an assistant to tie it together.
Everyday money
Cash on hand, bills still due, and a daily allowance, kept honest by every transaction you log and every rule that logs itself.
Available to spend
A starting balance plus every flow since gives cash on hand. Subtract bills due before month end and you get safe to spend and a daily allowance.
90-day cash forecast
Recurring rules and future-dated entries replay forward to project your balance 30, 60, and 90 days out, with the low point and the first day it dips below zero.
Transactions, done fast
Tags, search, split payments across categories, saved templates, bulk edit, receipts, and refunds that unwind spending without inflating income.
Quick add with ⌘K
Type one line anywhere: coffee 850, salary 250k yesterday, save 10000 #emergency. A live preview shows exactly what will be logged.
Recurring rules and bills
Salary, rent, and subscriptions log themselves when due. Manual bills wait for one-click Mark as paid, and upcoming payments sit on the dashboard.
Budgets that roll over
Monthly limits per category with progress bars, a 50/30/20 starter, envelope-style rollover, sinking funds, zero-based mode, and a year-at-a-glance grid.
On your phone
Worth Clarity is a responsive web app that feels at home on a phone, with the same ledger, forecast, and Assistant you use at a desk.
Home, Assistant, and Activity sit where a thumb lands, with the add button in the centre. Everything else is one tap away in More.
coffee 4.50 on the way out the door becomes a transaction before the receipt is in your pocket. Merchant memory fills the category.
One tap blurs every amount, including chart axes and tooltips, and it stays that way across devices until you turn it off.
Press ? for the reference. G then a letter jumps between pages, N opens a new transaction, and ⌘K is always quick add.
Try it now: press ⌘ K anywhere in the app.
Assistant
Not a generic chatbot with a finance skin. The Assistant is grounded in your own ledger, bounded by the same database security as the rest of the app, and it drafts rather than acts.
Reads your snapshot, then your ledger
Each request gets a compact server-side summary: cash, month totals, budgets, goals, debts, runway, the forecast's low point. For anything else it searches the ledger with read-only tools on your own session.
Never writes without your say-so
Ask it to log, fix, or delete and it drafts a card. The model proposes; only your tap on Confirm runs the app's ordinary save action, re-validated from scratch.
Reads receipts, too
Pick a receipt photo or PDF and the total, date, and merchant fill the form, with line items listed so you can split with confidence.
Educational by design
It explains, compares, and points at patterns in your numbers. It does not give personalized investment advice, and it says so.
Assistant
Grounded in your ledger · read-only tools
For creators and freelancers
Most finance apps assume one salary on one day. Worth Clarity assumes channels, clients, brand deals, and payouts, and gives each a place in the plan.
A YouTube channel, a page, a site, a domain, a rental. Attribute income and costs to each for net earnings, ROI, and a per-asset transaction history.
Follower and view snapshots, synced daily for YouTube with no OAuth, give growth charts, 30-day gains, and earnings per 1,000 followers.
Brand deals move from lead to in talks to paid, with invoice refs and expected dates. Mark paid and the income lands on the asset, never twice.
AdSense, affiliates, marketplaces. Pending payouts with dates join the 90-day forecast so your cash picture includes money on the way.
Suggested sponsorship pricing from what an asset actually earns per 1K, and an earnings-multiple range for what a buyer might pay.
Assets ranked by 12-month net earnings, plus celebrations when a channel crosses a follower or lifetime-earnings mark.
Trust
Security that depends on the interface behaving is not security. Worth Clarity puts its privacy promises where they cannot be bypassed.
Every row you own is protected by Postgres row-level security. Even the AI assistant's tools run on your session, so nothing can reach across accounts.
No passwords to leak. Google tells us your name and email, and that is all the identity Worth Clarity stores.
One tap blurs every amount, chart axis, and tooltip for screen shares and public places. Remembered so figures never flash readable on load.
The only cross-user read in the whole system is a function returning headline totals. Transactions, notes, and categories never leave your account.
Attachments live in a private bucket under your own folder, opened through a five-minute signed link after an ownership check.
Full JSON export of every table, a spreadsheet-ready CSV, a calendar feed of your bills, and a clear-my-data action inside Settings.
Pricing
Worth Clarity is in early access. There is no paid tier today and no card to add. When that changes, existing accounts hear first.
Everything, for everyone
$0per month
Sign in with Google and the whole app is yours. No trial clock, no feature gates, no card.
Takes about a minute. Export or delete your data any time.
Questions
Anything else, write to us. A person reads every message.
Yes. Worth Clarity is free during early access and there is no paid tier today. You sign in with Google, and every feature on this site is included. If that ever changes, existing accounts will hear about it first, in the app and by email.
Start with today's cash and the bills you know. Everything else builds from there.
Free during early access. No card. Export any time.