Spreadsheets
Flexible but fully manual. Every month you're updating formulas, fixing dates, reconciling balances by hand.
Your finances,
as a smart spreadsheet.
ClearMint Essentials helps you import bank statements, organize transactions, forecast cash flow, track net worth, and manage household finances in one clear workspace.
CA$7.99/mo after trial · Cancel anytime · Pricing in CAD
Import OFX · CSV · PDF
Private & secure
Export anytime
You've outgrown spreadsheets.
But nothing else feels right.
Spreadsheets are flexible but exhausting. Budgeting apps are automated but unclear. Bank apps show balances but no plan. You need a clear view of money in, money out, bills, and future cash flow.
Budgeting apps
Automated but shallow. Good at tracking categories, weak at forecasting, and often cluttered with irrelevant features.
Your bank app
Shows current balance, not your financial future. No bills, no forecast, no cash flow, no net worth.
A finance workspace that thinks like a spreadsheet.
ClearMint Essentials combines spreadsheet clarity with the power of a finance platform. Import your statements, and your dashboard fills itself in.
Importer
Organizer
Planner
Tracker
Exporter
Everything you tracked in Excel — done for you
The core money toolkit — clean, fast, and lightweight. No formulas to maintain.
One-click bank import
Drop an OFX, QFX, CSV, or PDF from any bank or card. Transactions land instantly with duplicate detection.
Spreadsheet-style tables
Sort any column, search, filter, and edit categories inline — just like a real spreadsheet.
Live dashboard
Income, expenses, net cash flow, bank balances, card debt, and upcoming bills — recalculated as you go.
Income & earnings
Track salary and side income with employer, pay frequency, and expected received dates.
Bills & due dates
Amount, due date, frequency, and paid status — with an upcoming-in-30-days view.
Expenses
Log cash and one-off spending by category, date, account, and notes. Mark recurring items.
Credit cards
Limits, balances, available credit, APR, minimum payment, and due dates in one view.
Bank accounts
Chequing, savings, and more — opening balance, running balance, and per-account history.
Cash-flow forecast
Project 12 months ahead from recurring income and bills, with safety buffer alerts.
Budget planner
Per-category targets with pace markers showing exactly where on-track spending should be.
Net worth
Assets minus liabilities in one figure — property, vehicles, accounts, and loans.
Export anytime
Every table exports to CSV in one click. Full JSON backup and Clear Financial Report.
From bank file to live dashboard
in minutes.
01
Import
Drop an OFX, QFX, CSV, or PDF statement from any bank or card. Duplicates are skipped automatically.
02
Organize
Review vendors, categories, accounts, and transaction details in sortable tables.
03
Categorize
Edit categories inline like a spreadsheet — tidy payees, tags, and recurring patterns.
04
Plan
Add income, bills, recurring expenses, and budget targets with due dates and targets.
05
Forecast
See projected cash flow and upcoming balances — including your lowest-balance month.
06
See Clearly
Review reports, net worth, bills, and reconciliation status — then export anytime.
Spreadsheet clarity.
Zero formulas.
If you've tracked finances in Excel or Google Sheets, ClearMint Essentials feels immediately familiar — sortable columns, inline edits, clean tables — without maintaining formulas yourself.
- Sortable columns — click any header to reorder
- Inline edits with instant autosave
- Search and filter across every table
- Categories and vendors, editable like a spreadsheet
- CSV export from any view
- No formulas to maintain — ClearMint handles the math
- Reconciliation to statement balances on every account
Built for people who outgrew spreadsheets
Spreadsheet clarity without spreadsheet maintenance — import, forecast, and reconcile in one workspace.
Import in minutes
Drop OFX, QFX, CSV, or PDF statements and your dashboard fills in — duplicates skipped, vendors detected.
See cash flow ahead
Project 12 months from recurring income and bills so you know your lowest balance before it happens.
Your data stays yours
Private by default, export anytime, and numbers-hidden mode when you need to share your screen.
Ten years of tracking every dollar
ClearMint Essentials didn't start as an idea to build another budgeting app. It started because I needed a better way to understand my family's financial future.
For more than a decade I tracked every income, expense, credit card purchase, bill, bank transaction, transfer and investment — importing bank statements every month, reconciling every transaction, and planning months ahead. The valuable part was being able to answer one question: where will my money be three or six months from now?
What I wanted no longer existed: a modern, powerful tool built specifically for individuals and families, not corporations. So I built it. ClearMint Essentials isn't about budgeting for the sake of budgeting — it's about giving people clarity, confidence and control over their financial future.
Jose Barbosa
Founder, ClearMint Essentials
What users say
"Finally a financial dashboard that feels like a spreadsheet — sortable columns, inline edits, and no formulas to babysit."
"I import my bank CSV every week and everything lands categorized. The subscription tracker alone paid for the trial."
"Privacy mode is genius — I can share my screen on calls without exposing balances. Clean design, fast tables."
Simple pricing
One plan, everything included. Start with a 30-day free trial — cancel anytime.
Essentials Monthly
$7.99/mo CAD
After 30-day free trial
Choose Monthly- Unlimited accounts & cards
- OFX / QFX / CSV / PDF import
- 12-month cash-flow forecast
- Net worth & debt payoff
- AI assistant
- All reports + export anytime
- Cloud sync included
Save 18%
Essentials Annual
$79/yr CAD
Two months free vs monthly
Choose Annual- Everything in Monthly
- Priority email support
- Cancel anytime
- Data export always available
Prices in CAD · Full pricing details →
Your data, your control
Private by default. ClearMint Essentials runs in your browser until you choose to enable cloud sync.
Private by default
Your finances stay in your own browser until you enable cloud sync. No account required to start.
Numbers-hidden mode
Toggle the eye icon to blur every balance and amount — ideal for screen sharing or working in public.
Export anytime
Every table exports to CSV in one click. Full JSON backup and the Clear Financial Report always available.
Secure account sync
With cloud sync on, every account is isolated by database-enforced row-level security.
Your data stays yours
Statements are parsed in your browser. Only structured data is stored — never the raw file.
No lock-in
Export everything to CSV or JSON whenever you want. Delete your data permanently with one click.
Common questions
Quick answers about ClearMint Essentials. See all FAQ articles →
ClearMint Essentials is a smart spreadsheet for personal finance. Import bank statements, organize transactions, forecast cash flow, track net worth, and manage household finances in one calm workspace — no formulas to maintain.
It feels like one. Every table is sortable, filterable, and editable inline — no formulas to maintain. ClearMint handles the calculations automatically.
OFX, QFX, CSV, and PDF statements from virtually any Canadian or US bank or credit card. Duplicates are detected and skipped automatically.
Optional. You can import files manually (zero data shared), or enable Plaid for automatic read-only sync. You choose.
Yes. ClearMint projects 12 months ahead from your recurring income and bills, showing your lowest balance month and a safety buffer alert.
Yes. Bills, subscriptions, and recurring expenses are detected from your statements and tracked with due dates, amounts, and a calendar view of what's coming.
Yes. Track limits, balances, APR, minimum payments, and due dates. Import card statements and reconcile each card to its statement balance.
Yes. Essentials includes unlimited household members so partners can share one workspace with shared budgets and a combined financial picture.
Any time. Every table exports to CSV in one click. You can also export a full JSON backup or generate the Clear Financial Report.
Private by default. Your finances stay in your own browser until you choose to enable cloud sync. Numbers-hidden mode blurs all balances for screen sharing.
Yes. Pricing is in CAD, the company is incorporated in Canada, and the app handles multi-currency including CAD/USD seamlessly.
Essentials Monthly is CA$7.99/mo and Essentials Annual is CA$79/yr. Both include a 30-day free trial with everything included — cancel anytime. See full pricing →