Clarity Budget is an AI budget tool that doesn't just show you numbers — it acts on them. Add transactions, pay bills, create goals, and get personalized insights, all through natural language.
Good morning, Dennis 👋
June 2026 · Day 28 of 30
Total Balance
KES 239,300
Income
KES 85,000
Expenses
KES 42,600
Net Savings
KES 42,400
Features
Built for the way real people actually manage their money.
No forms, no menus. Type naturally and your AI assistant handles everything — adding transactions, paying bills, transferring between accounts, even analyzing your spending.
Creates expense, auto-categorizes as Groceries, updates account balance
Creates transfer, updates both account balances instantly
Analyzes your spending vs budget with personalized advice
Done! ✅
Added $45 expense under Groceries and updated your account balance.
Grocery budget: 72% used · $84 remaining
You've spent $216 on food this month across 9 transactions.
That's 72% of your $300 food budget. You have $84 left with 5 days remaining.
💡 You're on track — keep it up!
Monthly budgets with category-level tracking, real-time progress bars, and automatic alerts when you're close to the limit.
Set a target, link it to an account, and track progress visually. Contribute anytime and watch your goals grow.
Beautiful charts showing income vs expenses, spending trends over time, and your top spending categories.
Never miss a payment. Track due dates, mark bills paid from any account, and auto-schedule recurring ones.
52-week challenges, weekly savers, and no-spend challenges. Gamify your savings with visual progress trackers.
Track loans with interest rates, choose avalanche or snowball payoff strategies, and watch your debt shrink.
18+ currencies with live exchange rates. Switch currencies and all your balances update automatically.
Import bank statements, CSV files, or mobile money PDFs. AI parses everything and categorizes transactions for you.
Bill reminders, monthly summaries, and budget alerts delivered straight to your inbox.
Quick Setup
Sign up with email or Google in 30 seconds. Completely free, no credit card required.
Add your bank accounts, savings, and cash. Set starting balances for an accurate financial picture.
Add transactions manually, import a bank statement, or just tell the AI. Your finances, finally organized.
Statement Import
Review before importing — 3 transactions found
Netflix
Expense
Salary
Income
Gym Membership
Expense
Upload a bank statement PDF or CSV and AI automatically parses every transaction, assigns categories, and updates your account balance. No manual entry needed.
Why an AI Budget Tool?
Most budget tools make you do the work. Clarity's AI does it with you.
| Feature | Spreadsheets | Other Apps | Clarity Budget |
|---|---|---|---|
| Add transactions by typing naturally | ✗ | ✗ | ✓ |
| AI categorizes expenses automatically | ✗ | ✗ | ✓ |
| Natural language financial Q&A | ✗ | ✗ | ✓ |
| Import bank statements (PDF & CSV) | ✗ | Partial | ✓ |
| Project budget tracking | ✗ | ✗ | ✓ |
| Financial health score | ✗ | ✗ | ✓ |
| Bills, goals, and debt in one place | ✗ | Partial | ✓ |
| Free forever plan | ✓ | ✗ | ✓ |
| Works globally, any currency | ✓ | ✗ | ✓ |
No credit card · Free forever · Set up in 2 minutes
Simple Pricing
No hidden fees. No surprises. Cancel anytime.
Perfect for getting started
KES 0/month
For serious budgeters
KES 499/month
Reviews
“I finally understand where my money goes each month. The AI categorizes everything automatically — I just review and confirm. I've cut my unnecessary spending by almost 30% since I started.”
Sarah K.
Freelancer
“I just type what I spent and the AI handles everything. My budget has never been this organized. The spending reports helped me realize I was overspending on subscriptions I forgot I had.”
James O.
Small Business Owner
“The savings challenges are so motivating. I set a goal, linked it to my account, and the app tracks every contribution. I've saved more in 3 months than I did in the whole of last year.”
Grace M.
University Student
FAQ
Yes — AI Clarity Budget is free to use with generous daily limits on AI features. No credit card required to sign up. A Pro plan unlocks unlimited AI requests and advanced reports.
AI Clarity Budget supports 18+ currencies including USD, GBP, EUR, KES, UGX, TZS, and more — with live exchange rates. Switch your default currency and all balances update automatically.
Your data is stored securely with row-level security, meaning only you can ever access your financial records. We never sell your data to third parties.
Yes. You can import PDF bank statements or CSV exports and AI will parse every transaction automatically — assigning categories, dates, and amounts. M-Pesa PDF statements are also supported.
Yes. AI Clarity Budget is available as an Android app on the Google Play Store, as well as the web app at app.ai-claritybudget.com. iOS support is coming soon.
The AI assistant is powered by GPT-4o-mini. You can add transactions by typing naturally ("I spent 500 at Naivas"), transfer money between accounts, and ask questions like "How much did I spend on food last month?" It understands context and responds instantly.
Join thousands of users who trust Clarity Budget to manage their money smarter. Start free today.
Free forever · No credit card · Set up in 2 minutes