Required payments come first
Bills and minimum debt payments are accounted for before cash is treated as available.
A clearer way to plan
Clearflow
Know what's covered.
Then decide.
Clearflow puts income, bills, debt payments, savings, and planned purchases on one timeline. See what is left before you move money.
36months ahead
1money timeline
0bank connections
The useful question is not only where the money went.
What will this decision change?
Clearflow lays out the dates and amounts that matter, then shows how today's choice affects the rest of the plan.
- Upcoming bills
- Debt payoff
- Savings goals
- Planned purchases
See it in the app
The screen depends on the question.
Living plan
Know what is protected before you decide.
How the app works
Follow one decision through Clearflow.
Start with the plan status, open the detail behind it, compare a payoff option, then return to the Ledger when real life catches up.
Dashboard · first view
Review the plan before you spend.
Clearflow opens on Your Living Plan. Start with the plan status and upcoming items instead of treating the current balance as the whole story.
- Plan Status and Debt-Free Target
- Upcoming income, bills, and payments
- Recommendations when something needs review
On Mac
Keep the details in one place.
Use the larger view to inspect the ledger, compare outcomes, and trace a number back to the entries behind it.
Rules we built around
The plan should show its work.
Estimates stay labelled
Projected activity remains separate from what you have confirmed. A forecast is useful, not a promise.
You make the call
Clearflow shows timing, cost, and tradeoffs. You decide what to do.
Need the longer version?
Read the guide.
See how to set up the plan, read the screens, and keep the numbers current.
Start here
Plan the payment
before it lands.
Read the guide, then set up the plan with the income, obligations, and goals that matter to you.
Open the guide