ClearSpent: Agent Finance

Meet Kitna — the financial agent that only moves when you approve.

Tell Kitna what happened in plain English or Taglish, by voice or text. It proposes the exact action — merchant, amount, category, account — and waits for your one tap. Nothing gets logged, edited, deleted, or transferred until you say yes.

Tell. Trust. Track.

That's the agent. But ClearSpent is a full personal finance app built for how Filipinos actually handle money — budgets, subscriptions, shared groups, multi-currency, the works.

WHAT YOU GET ALONGSIDE THE AGENT

Budgets + envelopes. Category budgets with envelope-style tracking. Live progress bars, gentle warnings before you overshoot — not after.

Subscriptions + recurring transactions. Netflix, Spotify, gym, rent, insurance — log once, ClearSpent tracks them forever. See your total monthly commitments at a glance.

Installments + loans. Track BNPL, credit card installments, and personal loans with full amortization. Always know what's left to pay.

Transfers between accounts. Two-tap confirmation. Balances update on both sides. No duplicate entries, no mental reconciliation.

Smart AI categorization. ClearSpent auto-categorizes imported transactions. Wrong guess? One tap to correct — and it learns.

Monthly AI insights. A readable breakdown of where your money went, what changed from last month, and what's trending up. No scary dashboards.

10 currencies, one app. PHP, USD, EUR, JPY, GBP, AUD, SGD, HKD, KRW, CNY with live rates. Foreign accounts stay in their native currency. OFWs and travelers stop doing mental math.

Offline-first. Log on the MRT, in the province, on a plane. Everything syncs automatically when you reconnect. No lost transactions.

Shared group finances. Create a group for your household, barkada trip, or small business. Same budgets, same transactions, clean permissions. Personal money stays personal.

Voice + PDF import. Talk to Kitna (20 voice logs per day, free). Or upload a BPI, BDO, UnionBank, GCash, or Maya statement PDF and let ClearSpent parse and categorize every line.

Wealth tracker + auto snapshots. Net worth across every account with automatic daily, weekly, and monthly snapshots. Watch your trajectory over time.

Investment portfolio. Log your holdings, track gains and losses, and see how investments fit the bigger picture.

MP2 + Time Deposit calculators. Compare Pag-IBIG MP2 projected returns against BPI, BDO, UnionBank, Security Bank, and Metrobank time deposits before you commit capital.

Spending summaries + push notifications. Optional daily and weekly roundups sent to your phone. Turn them off anytime.

Native iOS and Android. Real apps on both stores, not a browser bookmark.

Custom categories, dynamic fields, dashboard layouts, dark mode. Make it yours.

THE TWO NON-NEGOTIABLES

Consent-first. Kitna never moves money, edits a transaction, or deletes anything without your explicit approval. Every action is a proposal. You tap to approve. That's the only way anything happens.

Private by default. Your conversations, transactions, and finances are never sold, never shared with marketers, and never used to train public AI models. Kitna reads only the ClearSpent data you've added — never your bank login, never your cards.

Free to try. Cancel anytime. Your data stays yours.

clearspent.com