Clearday is a personal finance service designed to help people understand what they can safely spend before their next payday. Rather than relying on an account balance, it subtracts upcoming bills, card payments, loan payments, unbilled card spending and a safety buffer, then shows a daily spending amount based on the tightest day in the pay period. The service connects to bank accounts in read-only mode and maps recurring bills and paychecks by date.

It also provides a daily cash outlook, a weekly summary and reminders before bills are due. Clearday’s tools can compare debt repayment strategies, estimate payoff dates and interest costs, and identify opportunities involving emergency savings, credit utilization, subscriptions and a 401(k) match. Its AI assistant answers questions in plain language using figures checked against a financial ledger.

It can propose transaction recategorizations and updates to bills, loan dates, rules or goals, but changes require approval and it cannot move money. Clearday also works with Claude, ChatGPT, Cursor and VS Code. A free 14-day trial is offered