Klear is a personal finance app designed to help people understand their money and make confident financial decisions. It connects bank, credit card, loan, savings, brokerage, and wallet accounts through Plaid, then brings transactions and balances together in a single financial dashboard. Connections are encrypted and read-only, so Klear cannot move money or access sensitive banking credentials.

The app automatically categorizes recent spending, tracks budgets and recurring transactions, highlights spending patterns, and provides real-time insights into areas where users may be able to save. Its AI financial coach, Penny, offers personalized guidance based on a user’s financial activity, answering questions and helping create practical plans for bills, debt, spending, and savings goals. Users can set goals, monitor progress, and receive forecasts and reminders about upcoming bills. Klear also supports shared dashboards, allowing partners to coordinate budgets and work toward goals together. With account aggregation, budgeting tools, alerts, and conversational coaching, Klear aims to make everyday money management clearer and more forward-looking.