Subtract from balance
Reduces your balance immediately — leave on unless you're just tracking.
~30 seconds
Step 1 of 6 — The anti-budget
Two numbers. That's the whole system.
Your take-home pay, and what you're committing to debt each month. These two numbers are the whole system. Estimates are fine — you can update everything later.
After tax. Used to calculate what you have left over each month.
What actually leaves your account each month across all cards and loans. Could be minimums, could be more. Estimate is fine.
Step 2 of 6 — Your strategy
Which card do you pay off first?
Both strategies work. Pick the one that fits how you're wired. You can change this any time — the plan recalculates instantly.
Extra payments — use the slider under "What if I paid a little more?" to simulate adding extra each month. Even $50 extra can shave months off your timeline.
✂️
Redirected spending — the "What could you redirect?" section lets you name a cut and see exactly what it does to your plan.
📊
Payment log — tap a card and log each payment you make. This keeps your balances accurate and builds your streak.
🌤
The clearing — scroll down to see your milestones. The sky above changes as your progress grows. At 100%, it's clearday.
Step 4 of 6 — Your plan
Here's what you've set up.
Your numbers are in. Come back monthly, update your balances, and the plan stays accurate.
Step 5 of 7 — Stay on track
Set a reminder so life doesn't get in the way.
Come back once a month, update your balances, and the plan stays honest.
📅 Monthly reminder
A recurring calendar event on the 1st of every month — "Log your payments in Clearday." Works with Google Calendar, Apple Calendar, and Outlook. One tap, set forever.
Step 6 of 7 — Your first card
One card to start.
The plan is accurate the moment you have real numbers. Balance, rate, and what you're paying each month — that's all it needs.
You're set.
Your Clearday Plan is live.
The plan updates every time you log a payment or change a balance. Come back monthly, update your numbers, and let it do the rest.
Settings
Your journey
Clearday Plan
Review or update your monthly commitment, strategy, and reminders.
Monthly take-home income
After tax. Used to calculate what you have left over each month.
Your name
How the app addresses you.
Journey start date
The day you decided to face it.
Install app
Add to home screen
Save Clearday to your home screen for instant access — no app store needed. Works on iPhone, Android, and desktop.
Payoff strategy
Which card do you attack first?
Snowball pays smallest balance first for quick wins. Avalanche pays highest rate first to save the most money.
Used to estimate how your score could improve as you pay down. Utilization is one of the fastest factors to move. Optional.
out of 850
Add a credit limit to any card to see utilization.
Display
Currency
Keep sky dark always
Off — sky brightens as you pay down debt.
Backup & sync
Export your data or connect a cloud service. Your data is never sent to our servers.
Google Drive
not connected
Dropbox
not connected
OneDrive
not connected
☁️Add Clearday to your home screen
Add to Home Screen
1Tap the Share button at the bottom of your browser ⎙
2Scroll down and tap "Add to Home Screen"
3Tap Add — Clearday will appear on your home screen like an app
Your monthly routine
① open Clearday② update your balances③ log your paymentsdone.
Takes two minutes. Add a monthly reminder to your calendar →
your Clearday Plan
—
⛈in the stormclear skies☀️
0% behind you
Getting started
Where your money goes each month.
Your income minus everything committed. edit fixed costs →
💡 Set your monthly income in settings to see exactly what's left over each month.
Put more toward debt
Drag to redirect some of your free money toward debt and see exactly what it does to your clearday.
+ $0
move the slider to see your new clearday
step 4 — protect it
Build the net that makes this permanent.
Without an emergency fund, the next unexpected expense goes straight to a credit card. This is the one thing that makes the debt payoff stick.
1 month
—
Covers most surprise bills. Start here.
3 months
—
Job loss, medical, major repair. The real buffer.
6 months
—
Full financial resilience. Nothing touches you.
🏦Automate it the same way you automated debt — a fixed amount, same day as payday, straight to a separate savings account. Set it once.
$
step 5 — keep it
You did this. Here's how to never go back.
📈
Redirect the freed payments
When a card is paid off, its monthly payment doesn't disappear — redirect it. Every cleared card accelerates the next one, then savings, then investing. The money is already leaving your account. Keep it that way.
💳
Use credit cards. Don't carry them.
One card, regular spending, paid in full every month. You get the rewards, the fraud protection, the credit history — and it costs nothing. The card didn't change. Your relationship with it did.
🚫
Name the lifestyle creep
When debt payments stop, that cash feels like a raise. It isn't. Decide right now where it goes — savings, investing, one deliberate upgrade — before spending fills the gap automatically. Intentional beats accidental every time.
Your debt at a glance
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total debt ƒ
Sum of all current balances. Total debt = Card₁ balance + Card₂ balance + …
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interest cost ƒ
Total interest you'll pay across all cards at current payment amounts, simulated month by month until each balance hits zero. Monthly interest = Balance × (APR ÷ 12)
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months to go ƒ
Months until the last card reaches zero, using your current payment amounts. Based on amortization — each month interest accrues first, then your payment reduces the balance. Months = log(payment / (payment − balance × rate)) ÷ log(1 + rate) where rate = APR ÷ 12
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debt-to-income ƒ
How much of your monthly take-home pay is going toward debt payments. Under 20% is healthy. Over 36% is the typical limit for mortgage qualification. DTI = Total monthly payments ÷ Monthly income × 100
credit utilization
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Your progress
Three things to set up once.
Set these up on your bank and the system runs itself.
The clearing
Watch the storm lift, one milestone at a time.
Could a balance transfer help?
These are suggestions based on your rates and balances — not personalised financial advice. Always read the full terms before applying. Clearday may earn a commission if you apply through these links.
Could you consolidate your debt?
These are suggestions based on your rates and balances — not personalised financial advice. Always read the full terms before applying. Clearday may earn a commission if you apply through these links.
What comes next
Card
clearday
☀️
clearday
The storm has passed.
You made it.
Your fixed costs
Everything that leaves your account each month before anything else. Add what applies to you — you can update this any time.