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Pick a plan from Pricing and start your 30-day free trial — you sign up first, then choose monthly or annual. Sign in any time at /login (email or Google) and your workspace opens at /app. Your data is stored securely in the cloud, so it follows you across devices.

Open Tools → Import Wizard from the sidebar (or use Connect bank (Plaid) on the Dashboard). Drop an OFX, QFX, CSV or PDF file from your bank or card issuer. Transactions import instantly, exact duplicates are skipped, and your dashboard fills in income, expenses, bills, balances and cash flow automatically.

ClearMint Essentials is in beta as a responsive web app. Use it in your browser on desktop, tablet, or phone — there is no native iOS or Android app to download yet.

The dashboard shows total income, expenses, net cash flow, bank balances, credit-card debt and upcoming bills — recalculated as you edit. Every table is spreadsheet-style: sort any column, search, filter, and edit cells inline.

OFX, QFX, CSV and PDF statements from banks and credit-card issuers. You can also connect a bank directly with Plaid for automatic syncing. Cash and manual entries are welcome too.

When importing a CSV you can set the default year, choose how duplicates are handled (skip, replace, or keep), and toggle auto-categorization. ClearMint detects the date and amount columns and parses common bank formats.

Every imported row keeps the bank's original description in an immutable field, and re-import matching uses that original name plus the date, amount and the specific account or card. So re-importing the same statement is recognized as a duplicate and skipped — even if you renamed the vendor.

On the Dashboard choose Connect bank (Plaid) to link a supported institution. Synced transactions flow through the same import, dedup and auto-detect path as files. Access tokens stay server-side and are never exposed in the browser.

Sign in with your account and your workspace syncs automatically to the cloud. Edits save as you go, with a local cache so brief offline use is safe. Export your whole workspace to JSON anytime from Settings.

Each category bar shows where on-track spending should be this far into the month — so 92% spent on day 28 reads as fine, not alarming. Tap Suggest from spending to fill budgets from your recent averages.

The Cash Flow tab projects up to 12 months from recurring income, bills and expenses, including sinking funds, future one-offs and a safety buffer — so you can see your lowest projected balance.

The Calendar tab lays out income, bills, subscriptions and expenses by date with an upcoming list — useful for spotting tight weeks before they arrive.

The Net Worth tab rolls bank balances, credit cards, property, vehicles and loans into one figure and charts it over time. Add assets with their loan or mortgage to see live equity bars.

Compare snowball and avalanche strategies across your cards and loans, pick which debt to attack first, and see a projected debt-free date.

Set an opening balance on each bank account so running balances tie to your statements. Credit cards track limit, balance, APR, minimum payment and due date — card payments are never counted as income.

Open the floating assistant from any tab and ask in plain language — for example, how much you spent on groceries last month or whether you can afford a purchase. Answers use your real figures across income, bills, balances and budgets.

Only what's needed to answer your question is sent, with figures masked in analytics. It's for convenience, not financial advice. If you rate an answer we keep the rating and your question — never the answer text or your numbers. See our Privacy Policy.

Banks often write the same merchant several ways. In the Vendors tab you can merge those aliases under one canonical name. The change applies everywhere — transactions, logos and reports — across all dates, and your manually-created transactions are matched without being overwritten.

Display names are exactly that — display only. Editing the visible name or canonical vendor never changes a transaction's underlying identity, so cleaning up names is always safe.

Identical-looking transactions in separate accounts are kept separate on purpose — they're two real charges, so they're never collapsed into one.

ClearMint auto-flags recurring bills and subscriptions by comparing canonical vendor identity across your history — past and upcoming — so renamed or merged vendors don't create duplicate planning entries.

Bills carry a name, category, amount, due date, frequency and paid/unpaid status, with an "upcoming in 30 days" view so nothing sneaks up on you.

Detected subscriptions appear with their cadence and cost. You can cancel or reactivate, and price changes are surfaced so you notice increases.

Each account has an opening balance that anchors its running balance. Set it on the account, and ClearMint computes the running balance from your transactions on top of it.

This is almost always the opening balance or a missing/duplicate transaction. Check that the account's opening balance matches your statement's starting balance, then confirm no transactions are missing or imported twice for that account.

Track card name, last 4, credit limit, current balance, available credit, APR, minimum payment and due date in one view. Card payments are never miscounted as income.

Rules match on the immutable original vendor name, account, direction, amount range and category, then apply a category, clean display name, tags or reviewed status. Preview the match count before saving, run rules retroactively or only on future imports, and enable/disable or edit them anytime.

Newly imported transactions arrive unreviewed unless a rule marks them otherwise. Open Review from the top toolbar to search, edit, review individually or in bulk, and export to CSV.

Invite a partner from Settings → Household. Shared accounts, transactions, bills and budgets are visible to everyone in the household; personal budgets and rules stay private to each member.

Match each account to its statement opening and closing balance, catch duplicates and missing date ranges, and confirm the account ties out. Reconciliation also links imported bank lines to planned bills and income.

Open Reports for cash flow, monthly summaries and the Clear Financial Report (bank ledger with DR / CR / running balance). Every table also exports to CSV; Settings exports your whole workspace to JSON.

You do. Every table exports to CSV in one click and your whole workspace exports to JSON. ClearMint is private by default — no ads and no selling your data.

Securely in the cloud. ClearMint Essentials is fully serverless — static hosting plus scale-to-zero functions and a managed cloud database — so there's no server to maintain and your data is available on any device you sign in from.

Resetting local data on one device never deletes your information from the cloud — your workspace restores when you sign back in. To permanently remove your data, see Data Deletion.

ClearMint Essentials is $7.99/month or $79/year CAD (about two months free vs monthly) with a 30-day free trial. One plan includes every feature — AI, budgets, net worth, household sharing and more. See Pricing for details.

Open Settings → Plan & Billing and choose Restore / refresh purchase. ClearMint re-reads your authoritative plan from the billing system so a paid account is recognized on any device.

Manage your subscription from Settings → Plan & Billing. You keep access through the end of the paid period.

ClearMint saves to your account automatically and keeps a local cache so nothing is lost offline. If a save fails it keeps retrying with backoff, and flushes when you close the tab. Check your connection and that you're signed in; your latest edits persist either way.

You can delete the most recent import batch from Settings → Danger zone → Delete last import, fix the file or options, and re-import. Re-importing is duplicate-safe.

Reach us at Contact or email support@clearmintessentials.com and we'll get back to you.