What does Clear Balance do?
Clear Balance lets you record debts, balances, APRs, minimum payments and real payments in one place. It tracks your progress and gives you tools to explore different ways of paying debt down.
FAQ
Questions about Clear Balance.
How the app works, what the on-device Assistant can do, what Premium adds and what happens to your data.
Features
Using Clear Balance
Does Clear Balance make payments for me?
No. Clear Balance is a debt tracker and planning tool. You can record payments in the app, including through supported Assistant actions, but recording a payment updates your Clear Balance records only. It does not transfer money, pay creditors or contact them for you.
How does the monthly budget help?
You can record your monthly income and regular spending to get a clearer idea of what may be available for debt payments. It is there to help keep a repayment plan connected to your actual budget.
What does the one-off payment tool do?
It lets you test an extra payment before making it. Clear Balance then estimates how that payment could affect your remaining balances, interest and debt-free date.
Can I back up or move my data?
Yes. Clear Balance can create a password-protected, encrypted backup file containing your Clear Balance data. You choose where to save it and can use it to restore your data later without creating a Clear Balance account.
Who is Clear Balance intended for?
Clear Balance is intended for adults aged 18 and over. It is not designed or marketed for use by children. See our Terms of Use and Privacy Policy for more information.
ASSISTANT
Clear Balance Assistant
What is Clear Balance Assistant?
It is a built-in guide that helps you understand the debts, Budget and repayment information you have saved. You can ask questions in everyday language, follow up on an answer or open it from a particular debt to focus on that account.
Is the Assistant a cloud AI chatbot?
No. The Assistant uses on-device rules, built-in explanations and the financial details stored locally in Clear Balance. It does not send your questions or debt information to an external generative AI service. It is designed for supported financial and app questions rather than unrestricted conversation.
What can I ask the Assistant?
For example, ask which saved debt has the highest APR, how Balanced works, why your focus changed, when a 0% promotional period ends or how much progress you have recorded. Supported requests can also help edit debt records or log payments. Some forecasts and what-if scenarios require Premium.
Can the Assistant update my debts or record payments?
For supported requests, the Assistant can prepare a debt edit or record a payment in your tracker. It shows you the proposed change and asks for confirmation before saving. It never sends money to a creditor or makes a bank payment.
Is the Assistant available without Premium?
The Assistant can answer supported general questions and explain information you have recorded without a subscription. Some personalised repayment forecasts, simulations and advanced plan insights require an active Premium subscription. The app explains when Premium is needed.
Can I rely on its answers as financial advice?
No. The Assistant is a guide to your saved information, built-in educational content and estimated repayment scenarios. It can misunderstand a question or be limited by incomplete or outdated data. Check figures and proposed edits before confirming them, and speak to a qualified debt adviser when you need personalised debt advice.
Planning
How the payoff estimates work
How does Clear Balance estimate my debt-free date?
The app uses the figures you enter - such as balances, APRs, minimum payments and the amount available for repayments - and models how those balances could reduce over time. The result is an estimate, not a promise: lenders may calculate interest or apply payments differently.
What is the Snowball method?
Snowball focuses extra money on the debt with the smallest balance first while keeping required payments going on the others. When that debt is cleared, the money that was going to it moves to the next smallest balance.
What is the Avalanche method?
Avalanche focuses extra money on the debt with the highest APR first while keeping required payments going on the others. Its aim is usually to reduce the amount of interest paid over the repayment period.
What is the Balanced strategy?
Balanced takes account of factors such as interest, promotional deadlines and affordable quick wins when suggesting where extra payments could go. It is different from following only the smallest balance or highest APR.
Which strategy should I use?
Clear Balance lets you compare Balanced, Snowball and Avalanche. Snowball prioritises smaller balances; Avalanche prioritises higher APRs; Balanced considers several factors together. All are planning approaches, and the choice remains yours.
Why might the estimate differ from my lender?
Clear Balance works from the information you enter and produces planning estimates. Actual results can differ because of statement dates, daily interest, fees, promotional rates, payment timing or changes to your balances and budget.
Is Clear Balance debt advice?
No. The app provides tracking, calculations and general information. If you are struggling with priority bills, cannot afford your payments or are considering a formal debt solution, speak to a free regulated debt adviser.
Privacy
Your data and purchases
Does Clear Balance connect to my bank?
No. You enter and manage your information yourself. Clear Balance does not connect to your bank account.
Where is my debt data stored?
Your debt and budgeting information is stored locally on your device in Clear Balance’s encrypted vault rather than uploaded to a Clear Balance account or Clear Balance server.
Does Clear Balance use iCloud or Google backup?
Clear Balance does not provide its own cloud backup or sync service. On Android, automatic app backup and device-transfer backup are disabled. On Apple devices, any device-level backup behaviour is provided and controlled by Apple rather than Clear Balance. For a portable backup you control, use the encrypted backup feature in the app.
Why can Google Play show that Clear Balance collects financial information?
Google Play uses broad Data safety categories, and purchase or subscription history can fall within its financial information category. Limited purchase and technical information may be processed to manage Premium. Clear Balance does not upload the debt balances, APRs or budget information you enter as part of normal app use.
What data is used for Premium?
Limited technical and purchase-related information may be processed by the app stores and Adapty to load subscription products, process or restore purchases and check whether Premium is active. Clear Balance does not send Adapty your debts, budget, optional first name or email address for those checks.
Why is a technical identifier used?
A limited technical identifier can help the subscription service recognise the app profile, check Premium status and restore entitlement when needed. Advertising-identifier collection and IP-address collection are disabled in Clear Balance’s Adapty integration.
Who processes payments?
Subscriptions are billed by the platform you use, such as the Apple App Store or Google Play. Clear Balance does not receive or store your full payment card details.
Do you use adverts or analytics?
Clear Balance contains no adverts and does not use behavioural analytics to monitor the screens you view, buttons you tap, features you use, sessions, retention or how you manage your finances. We do not use advertising identifiers for cross-app tracking. Apple, Google and Adapty may process limited technical and purchase information for app distribution and Premium, and on iOS Apple Search Ads campaign attribution may be used to understand campaign installs. Separately, this website uses Google Analytics for site visits and app-store link clicks only if you accept optional website analytics.
Can Clear Balance see my balances?
Not as part of normal app use. Your financial information is designed to remain on your device.
What happens if I contact support?
You can use the contact form on our Support page and choose the type of enquiry, or email support@clearbalance.uk . We receive only the information you choose to send, such as your email address and message; we cannot automatically view debts or budgets stored on your device. Please avoid unnecessary sensitive details. The form accepts text only, although supporting documents can be discussed by email.
How do I request deletion of my data?
Your debt, budget and other plan information is stored locally on your device and can be removed using Clear Balance’s reset options, by uninstalling the app, or by clearing app storage where supported. To request deletion of subscription-related profile data used for Premium entitlement, open Clear Balance and go to Settings > Subscription support, then send the pre-filled support email. The email includes your Adapty profile ID so we can identify the correct subscription profile. We will remove the associated subscription profile data within 5 working days. Deleting this data does not cancel an active App Store or Google Play subscription.
Can I choose whether the website uses analytics cookies?
Yes. Optional Google Analytics 4 runs only if you accept analytics using the website’s cookie preferences. You can reject analytics or change your preference through the Cookie preferences control in the footer. This is separate from the Clear Balance app, which does not use in-app behavioural analytics.
How long do you keep support or complaint messages?
Resolved routine support correspondence is generally retained for up to 12 months. Closed data protection complaint records are generally retained for three years. Exceptions may apply for ongoing issues, legal obligations or regulatory matters. See Data retention in our Privacy Policy.
Support
Contact, privacy requests and complaints
How do I contact Clear Balance?
Use our Support contact form and select General enquiry, Technical support, Premium support, Data protection enquiry, Data protection complaint or Feedback. Messages are sent to our support team at support@clearbalance.uk .
How do I report a bug or Premium problem?
Choose Technical support or Premium support in the contact form . For bugs, include your device model, operating system, app version, what happened and how to reproduce it. For Premium, explain whether you use Apple or Google Play and what the store showed. Avoid passwords, payment-card numbers or unnecessary debt details.
How do I make a data protection complaint?
Choose Data protection complaint in the Support form , or email support@clearbalance.uk . Tell us what happened and what outcome you are seeking. We will acknowledge a data protection complaint within 30 days, investigate without undue delay and explain our findings. You can also complain directly to the ICO .
How can I make a data protection rights request?
Select Data protection enquiry or rights request in our Support form , or email us. Tell us which right you want to exercise. We ordinarily respond without undue delay and within one calendar month, subject to applicable extensions and verification requirements.
Can I upload files through the contact form?
No. The website form is text-only and does not accept attachments. If we need a screenshot or supporting document, we can discuss sending it by email. Please do not include passwords, full payment-card numbers or unnecessary sensitive financial records.