Connect your bank in 60 seconds. Our AI reads every transaction, finds hidden fees, flags forgotten subscriptions, and hands you a daily Money Score with a plain-English explanation of what to fix.
No credit card required.
Read-only bank access via Plaid.
How it works
Takes 60 seconds. Plaid handles the login — we never see your credentials or passwords. Read-only access means no one can move a dollar.
Every transaction analyzed. Hidden fees surfaced. Subscriptions you forgot listed. Spending patterns compared to your income. No manual categorizing.
A daily 0–100 score tells you exactly how your financial habits stack up. One clear breakdown. One specific action. No jargon.
What ClearCents finds
What you get
Exactly how much you paid in hidden bank fees this month — and which ones are avoidable
Every active subscription, how much each costs per year, and which ones you haven't used
Whether your spending-to-income ratio is healthy or quietly draining your savings
Your daily Money Score and the single biggest factor pulling it down
One specific action — not a lecture — that would move your score the most
How a $15/month subscription becomes $6,000 over 20 years if you'd invested it instead
Why this exists
Sebastian
Former banking industry professional · Founder of ClearCents
I spent years working inside the banking system watching how institutions profit from customers' financial blind spots — foreign transaction fees buried in fine print, subscriptions that auto-renew on purpose, overdraft charges triggered by a few dollars.
ClearCents is what I wish I had in my twenties: a tool that reads your statements the way a banker reads them, not the way a budgeting app does. No envelope budgets. No guilt trips. Just the specific things your bank is quietly counting on you not to notice.
Pricing
Beta users who join now get Pro at $5/month for life — price increases at launch.
Free
Pro
Beta discountLocked in for life — price increases at launch
Unit economics: ~$0.40–0.60 variable cost per user. The app is profitable at 50 paid users — not VC-backed, not built to sell your data.
Most people don't know how much they lost to fees and forgotten subscriptions last year. ClearCents shows you the number — then shows you how to fix it.
Find My Hidden FeesNo credit card. Read-only bank access via Plaid. Cancel anytime.