Your Financial Agent. Talk. Approve.
Done.
Tell Kitna what happened. It proposes the action. Nothing happens until you approve it. Your data stays yours — never sold, never used to train public AI, never shared.
- Every action needs your approval
- Your data is never sold or used for training
- Stop anytime
Live Transactions
What is ClearSpent?
ClearSpent is a free personal finance app for the Philippines. Track spending, budgets, accounts and net worth in pesos and 9 other currencies, log transactions by talking to Kitna, its AI agent, and import bank statements in one upload.
Real outcomes, not promises.
Every feature in ClearSpent is tied to a concrete outcome you can see on your first day.
Spending Clarity
See exactly where money went across every category, every month, without manual work.
Anomaly Detection
AI flags unusual charges, duplicate subscriptions, and unexpected price increases automatically.
Adobe CC charged twice this month (₱54.98 total).
Recurring Bills
All subscriptions and recurring charges tracked in one view, with renewal alerts.
Net Worth Growth
Monitor assets minus liabilities. Track your true financial health with daily updates.
Tell it. Approve it.
Done.
Forget forms. Say one sentence or tap the mic. Kitna figures out the details and shows you a card. Nothing gets saved until you say yes.
Private by default: your voice recordings are transcribed and discarded. We don't keep them, we don't train on them.
Just talk. That’s the form.
“Spent 500 on groceries today.” Kitna fills in the details and hands you a card to approve.
Drop in a whole bank statement.
Upload a file and Kitna lines everything up. You still get the final say on what goes in.
It guesses the category. You can change it.
Weird receipts turn into clean, readable entries — and every field is editable before you tap approve.
"Spent ₱32.50 at Trader Joe's for groceries"
Delegate the work.
Approve the moves.
Tell Kitna what happened. It gets the details ready and shows you a card. One tap to say yes — or no. Nothing ever changes without you.
Kitna
Ready when you are
Got it. Tap Approve if this looks right.
- Account
- BPI Debit
Say it the way you would to a friend.
“Spent 500 on groceries today.” That’s all you need. Kitna fills in the rest and shows you a card to approve.
It asks before it does anything.
Add, edit, delete, move money — it all waits for your tap. No background moves. No surprises.
Ask it anything about your money.
“How much did I spend on food this month?” You get an answer in plain English. Questions don’t change anything — they just help you see.
Your money, your call.
Kitna can do a lot — but you’re always the one who says yes.
Cashflow Quest.
Learn money by playing.
Step into a profession, navigate real-world money decisions, and see how loans, salary, and investments compound. The game ClearSpent runs in real life — without risking real money.
100 decisions in 20 minutes.
Every turn drops you into a real cashflow choice — buy the stock, take the loan, sell the side hustle. Saying yes or no shapes the next round.
Compounding, made visible.
Watch loans, salary, and investments stack up over turns. Mistakes show up in the numbers — not in your bank account.
Win when passive income covers your expenses.
A financial-education board game you play in the browser or the ClearSpent app. Free to play once you sign in.
Free. No credit card. Sign in to play.
Stay ahead, not behind.
Budgets that adapt, subscriptions that don't surprise you, and reminders that actually help. Your new daily financial control center.
Adaptive Budgets
Track spending across precise categories. See pacing before you overspend.
Subscription Radar
Never pay for a forgotten free trial again. All recurring costs clearly listed.
Smart Reminders
Get notified before large annual bills hit so you can prepare your cash flow.
See the full picture.
Expense tracking is just the beginning. Scale up to true wealth management with tools designed for modern financial complexity.
Net Worth Tracking
Monitor your assets and liabilities. See your total wealth grow over time with daily updates.
Multi-Currency Support
Hold accounts in USD, EUR, PHP, and more. See everything converted to your base currency automatically.
Shared Finance Groups
Perfect for couples, families, and roommates. Share specific accounts or your entire household budget cleanly and securely.
Built for real life.
Not every financial life fits in a predefined box. ClearSpent gives you the tools to shape the product to your world.
Custom Columns
Need to track receipt numbers, tax deductibility, or vacation names? Add infinite custom columns to your transactions.
Duplicate Handling
Import a CSV twice? No problem. ClearSpent automatically detects overlaps, merges records, and keeps your ledger flawless.
Safe Reversals
Made a mistake mapping an import? Undo entire imports in one click without destroying your existing transaction history.
Consent-First.
Private by default.
ClearSpent is built on two promises: nothing happens without your approval, and your data is never sold or used to train public AI models. Every action Kitna takes is a proposal — create, update, delete, transfer — shown as a confirmation card with the exact change. Your money, your move. Your data, your rules.
Consent before every action.
Kitna proposes. You approve. That’s the only way anything happens. No background actions. No silent changes. No “set and forget.”
Private by default.
Your conversations, transactions, and finances are never sold, never shared with marketers, never used to train public AI models. Ever.
No bank access.
Kitna reads the ClearSpent data you’ve already added — never your bank login, never your credit card, never anything you haven’t shared.
Stop anytime.
Cancel any proposed action before it runs. Revoke agent access instantly. Delete your account and data whenever you want.
Transparent by design.
You can see exactly what Kitna proposed, what you approved, and what ran — in plain language, any time.
An agent that respects your consent — and your privacy.
After a week with Kitna, you won't open the app — you'll just talk to it. And every time it moves, it'll ask first. Because that's the only kind of financial agent worth trusting.
Frequently asked questions
How much does ClearSpent cost?
ClearSpent is free to use. No credit card required.
Is my financial data safe?
Your data is stored with Supabase, encrypted at rest (AES-256) and in transit, with row-level security on every table. ClearSpent never asks for your bank login, and your data is never sold.
Can I use it offline?
Yes. You can log transactions without an internet connection. Everything syncs automatically when connectivity returns. Your data is cached locally on your device.
What currencies do you support?
PHP is the default currency. You can also track 9 other currencies (USD, EUR, JPY, GBP, AUD, SGD, HKD, KRW, CNY) with automatic conversion rates.
Can I import my existing data?
Yes. Import CSV, Excel (.xlsx) or PDF bank statements, with dedicated parsers for BPI, Metrobank, RCBC and HSBC. Map your columns and preview before anything is saved.
Can I use it on multiple devices?
Yes. Use ClearSpent on the web or in the iPhone and Android apps. Your data syncs across all of them.
Can I export my data?
Cash Flow items export to CSV or a calendar feed. Transaction export is not available yet.