Clear Balance: Debt Tracker
Payoff planner, budget manager
Free · In‑App Purchases
See every debt clearly, record real progress and explore a calmer payoff plan - without connecting your bank account.
Clear Balance is a privacy-first debt tracker and payoff planner designed for UK residents. Organise everything in one place, record your progress and explore different repayment approaches without connecting your bank account.
Whether you are managing credit cards, loans or other personal debts, Clear Balance helps you see where things stand and consider what your repayment journey could look like.
Plan Around Your Priorities:
Compare two widely used repayment approaches:
• Snowball – prioritise the debt with the smallest balance
• Avalanche – prioritise the debt with the highest interest rate
Review how each approach may affect your estimated debt-free date and potential interest costs. Clear Balance provides useful projections based on the information you enter, helping you compare your options without presenting one approach as right for everyone.
Track Your Debts and Payments:
Keep your balances and repayment activity organised in one straightforward place.
• Add and manage multiple debts
• Record regular and additional payments
• Monitor remaining balances
• Follow your repayment progress
• View an estimated debt-free date
• Review potential interest savings
Your plan updates as you record payments, giving you a more current view of your progress.
Explore Extra Payment Scenarios:
See how additional payments could change your estimated repayment schedule. Test different amounts before making any decisions and compare the possible effect on your payoff date and interest costs.
All projections are estimates and may differ from actual lender calculations.
Build a Simple Budget:
Create a clear overview of your monthly income and spending. The built-in budget helps you understand what may be available after essential expenses, so you can consider repayment amounts that fit your circumstances.
Private by Design:
Clear Balance does not require a bank connection. You enter and manage your information manually, giving you control over the financial details you choose to add.
There is no need to share online banking credentials or give the app access to your bank transactions.
Plain-English UK Guidance:
Access straightforward information created with UK users in mind. Learn more about common debt terminology, repayment approaches and places to look for further support without unnecessary jargon.
Clear Balance Can Help You:
• Organise debts in one place
• Keep a record of payments
• Compare Snowball and Avalanche plans
• Explore estimated payoff dates
• Test the possible effect of extra payments
• Create a simple monthly budget
• Access practical UK debt information
• Plan without linking a bank account
Start organising your debts and exploring repayment options at your own pace.
Some planning features, including debt-free date projections, estimated savings, strategy comparisons and extra-payment scenarios, require Clear Balance Premium through an auto-renewable subscription. Subscription details and pricing are shown before purchase.
Download Clear Balance:
Create a private plan based on the information you choose to enter.
Important:
Clear Balance is an organisational and educational tool. It does not provide financial, debt or other regulated advice. Dates, interest costs and potential savings are estimates based on the information entered and the assumptions used. Actual results may vary. If you need advice tailored to your circumstances, consider contacting an appropriately authorised adviser or a recognised UK debt-support organisation. Clear Balance Premium is available as an auto-renewable subscription. Subscription details and pricing are shown before purchase.
Terms of Use:
Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Clear Balance Terms of Use: https://clearbalance.uk/terms.html
Privacy Policy:
https://clearbalance.uk/clear-balance-privacy.html
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Clear Balance just got better:
• Refreshed onboarding
• Clearer Premium previews
• Accessibility and reduced-motion improvements
• More UK debt and support guidance
• More creditors and improved logo matching
• Clearer plan screens
• Bug fixes and performance improvements
Still private by design, with no bank connection required.
The developer, ClearBalance Technologies Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- ClearBalance Technologies Limited
- Size
- 55.7 MB
- Category
- Finance
- Compatibility
Requires iOS 15.6 or later.
- iPhone
Requires iOS 15.6 or later. - iPad
Requires iPadOS 15.6 or later. - iPod touch
Requires iOS 15.6 or later.
- iPhone
- Languages
- English
- Age Rating
13+
- 13+
- In-App Purchases
Yes
- Clear Balance Premium Monthly $3.99
- Clear Balance Premium Annual $34.99
- Copyright
- © 2026 ClearBalance Technologies Limited