Features

Everything Clario does, and which plan it’s in.

Clario is built around one question: how much can I spend today? Here is every feature, with an honest label for Free and Pro.

Free

Payday protocol & Safe to spend

Tell Clario your payday and fixed bills. When income lands, choose which bills it covers; Clario sets that money aside and spreads the rest across the days until your next pay.

  • One daily Safe to spend number that updates as you spend
  • Learning mode in your first week: no verdicts before Clario knows your spending
  • Match your pattern, protect savings, keep a cushion or make money last to a date
Free

Manual tracking & statement import

Works in any country. Add expenses and income in seconds, including cash, or import a bank statement file.

  • Quick entry for expenses, income and cash
  • Import statements as CSV, Excel or PDF
  • The protocol works exactly the same without a bank connection
Pro

Bank sync

Connect your bank read-only and transactions arrive automatically. Clario can never move your money.

  • US & Canada through Plaid
  • Ukraine through Monobank
  • UK & EU: coming soon. Unlimited banks and accounts in one live balance
Free & Pro

Stash Jars

Savings goals with clear progress, colours and stickers, and contributions you can track month by month.

  • Free: up to 3 jars
  • Pro: up to 10 jars
  • Pro: share a jar with family or friends
Pro

Analytics & monthly report

See where your money went and how much was Left over and Put aside, month after month.

  • Trends and spending by category
  • Left over vs Put aside
  • A clear recap at the end of every month
Free & Pro

Clario AI

Ask about your money in plain language and get answers based on your own numbers. Optional: it stays off until you allow it.

  • Free: 3 messages a month
  • Pro: unlimited (fair use)
  • Runs on OpenAI, which does not train on API data; withdraw consent in Settings
Free

Limits, debts & trips

The everyday tools around the protocol, included in Free.

  • Spend limits per category
  • Track debts you owe or are owed
  • A separate budget for a trip
Free

Privacy & control

Your data is used only to run Clario for you. No ads, no selling data.

  • Face ID or PIN app lock
  • “Confirm it’s you” before a bank is connected
  • Delete your account and all data in Settings

The app is available in English, Ukrainian, German, French, Spanish and Polish. Change your base currency at any time.

Start with the free plan.

Everything the protocol needs is free. Upgrade to Pro only if you want bank sync, unlimited AI and full analytics.

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Compare Free and Pro