Questions about Clear Balance.

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.

Does Clear Balance make payments for me?

No. Clear Balance is a tracker and planning tool. It does not move money, make payments or contact creditors 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.

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.

Which strategy should I use?

Clear Balance shows the strategies side by side so you can compare them. Snowball can make early balance wins more visible; Avalanche may reduce interest more efficiently. The app does not choose for you.

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.

What does Premium add?

Premium unlocks the deeper planning tools, including projected debt-free timing, estimated future interest savings, strategy comparisons, focus guidance and one-off payment planning.

Can I try Premium first?

Yes. Premium includes a 7-day free trial so you can use the extra planning tools before deciding whether to continue with a paid subscription.

How do I cancel Premium?

Subscriptions are managed through the store used to start them. Cancelling in your App Store or Google Play subscription settings stops future renewals. Deleting Clear Balance does not cancel a subscription.

How do I restore Premium?

If you have an active purchase but Premium is not showing, use the restore option in the app. The subscription service checks the purchase information linked to your store account and updates the entitlement where possible.

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 designed to stay locally on your device rather than being uploaded to a Clear Balance account.

What data is used for Premium?

Limited technical and purchase-related information may be processed to check whether Premium is active, verify purchases and restore access. Your debt balances are not needed for that entitlement check.

Why is a device or app identifier used?

A limited technical identifier can help the subscription service recognise the app installation, check Premium status and restore entitlement when needed.

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 behavioural analytics?

No. Clear Balance does not contain adverts or behavioural analytics used to track how you move through the app.

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?

We receive the information you choose to send, such as your email address, device details, screenshots or a description of the problem. Only include financial information if it is genuinely needed to explain the issue.