Every budget app assumes you’ll remember to log every coffee, check in daily, and feel bad when you don’t. If your brain doesn’t work that way, it just becomes one more tab you’re avoiding.

Money Clarity is different. Open it, and one number tells you what’s actually safe to spend today — no math, no spreadsheet archaeology, no shame column pretending to be a “miscellaneous” category.

What’s inside:

✓ Safe to Spend — income minus bills minus envelopes minus what you’ve already spent, done automatically
✓ Envelopes — give every dollar a job, including one honestly labeled “Impulse / Dopamine Spends” instead of hiding it
✓ Bills — recurring costs on autopilot so nothing quietly drains your account
✓ Goals — tell it the price and the date, it works out what to set aside
✓ Debt — real snowball/avalanche math, an honest debt-free date, and a warning if a minimum payment will never actually clear the balance
✓ Insights — where your money went, drawn from your own numbers

Both formats, one price: the interactive browser app (works offline, nothing you type ever leaves your device — no account, no server, no sync) and the Google Sheets/Excel version. Use one or both.

No subscription. No bank login. No judgment. Just a clearer way to see your money.

Instant access. Pay once, keep it forever.