Add your debts
A balance, an interest rate and a minimum payment for each card or loan. That’s all Clearward needs.
3,000$5018%
Coming soon to iPhone
Find your way out of debt.
A clear plan. Room to breathe. A next step you can actually take. Clearward turns the debts you already know into a month-by-month payoff plan, privately, on your iPhone.
- No bank login
- No account to create
- Your numbers stay on your phone
Private by designEverything is calculated and stored on your iPhone.
A date you can seeYour estimated debt-free month, updated as life changes.
This month, made simpleExactly what to pay each debt, minimums covered first.
Honest numbersEstimates are labeled as estimates, with the math explained.
How it works
Three steps from “where do I start?” to a plan.
Start with what you know. No statements to upload, no accounts to link. Just the numbers you already have, typed the way you would naturally write them.
Set a monthly budget
Choose what you can put toward debt each month. Clearward keeps every minimum covered and keeps your buffer intact.
Minimums first · extra goes to one focus debt
Follow your plan
See your debt-free month and exactly what to pay each debt right now. When one is paid off, its payment rolls into the next.
Your next step, every month
Try the plan
See what a little extra could change.
This uses the same approach as the app. Edit the sample debts or use your own numbers. Everything runs in this browser tab, and nothing you type is sent anywhere.
Your debts
| Name | Balance | APR | Minimum | Remove |
|---|
What to pay this month
Your debt-free horizonEstimate
—
—
Time saved vs. no extra—
Est. interest saved—
Total balance over time
With extraNo extra
Estimates use monthly interest (APR ÷ 12), your minimums, and no new charges or fees. When a debt is paid off, its minimum rolls into the next one. Your lender’s numbers may differ slightly. Not financial advice.
Inside the app
Everything you need to keep moving forward. Nothing you don’t.
Plan
Choose your path, and see the difference.
Slide the extra payment and watch your payoff date move. Pick highest-interest-first or smallest-balance-first, and your choice saves instantly.
- Side-by-side comparison. Your plan against zero extra, with the same debts, rates and strategy.
- Month-by-month schedule. See where each payment goes: principal versus interest.
- Guardrails built in. Amounts above your budget’s room are flagged and never saved.
Spending
“What if I spent $50 less?” Answered in place.
Review a statement and see where your money went. Try a change and watch your debt-free date respond, then apply it to your budget only if you choose to.
- CSV and text-based PDF statements. Read on your phone. The original file isn’t kept.
- You review every row. Nothing is saved until you confirm it, one by one or all at once.
- No double counting. Transfers and card payments are left out; refunds reduce spending.
On-device intelligence
Smart category suggestions that never leave your iPhone.
On supported iPhones, Clearward can suggest spending categories using Apple’s on-device model. No cloud, no remote AI. Just a helpful first draft for you to check.
- Only merchant names are read. Never your amounts, dates or account details.
- Your rules come first. Corrections you’ve made and merchants you’ve remembered always win.
- Works without it, too. Built-in rules and manual choices cover every iPhone.
Suggested categories
- FRESH MARKET #204Groceries
- METRO TRANSIT FARETransport
- CORNER BISTRODining · your rule
- PAYMENT THANK YOUNot spending
- QX-88 SVC 1123Uncategorized
Processed on this iPhone · suggestions only, you confirm
Progress
Charts that tell the truth.
Forecasts are labeled as forecasts. Missing months aren’t drawn as zero. History is only what you’ve actually entered, never invented to make a prettier line.
- Log a payment in seconds. Optionally lower the balance by the same amount, then fine-tune from your next statement.
- Clear distinctions. Removing a debt isn’t confused with paying it off.
- Explore safely. A fictional demo mode lets you try everything before entering your own numbers.
Privacy
Your finances aren’t our business model.
Clearward has no servers to send your data to. Your debts, budget and transactions live in a protected file on your iPhone, and only you decide where they go.
Stays on your iPhone
All calculation happens on the device. Your data is stored with iOS file protection and excluded from device backups.
Statements aren’t kept
Imported files are read in memory to find transactions. Only the rows you confirm are saved, and the original document is not retained.
Export or erase, anytime
Export everything as JSON to a place you choose, or delete all of it from Settings. It’s your data, start to finish.
- No bank linking
- No sign-up
- No tracking or analytics
- No ads
- No cloud processing
- No selling data
Straight answers
A planner, not a promise.
Debt is stressful enough without fine print. Here’s exactly what Clearward is, and what it isn’t.
It never moves money
Clearward doesn’t connect to your bank or make payments. Logging a payment is a note for your plan; you pay your lenders as you normally would.
Estimates are labeled
Projections use monthly interest and fixed minimums. Daily interest, fees and new charges can make your lender’s numbers differ slightly.
You stay in charge
Clearward isn’t financial advice. It shows the effect of choices you make, and nothing changes without your say-so.
No date when it isn’t real
If a budget can’t cover the interest, Clearward says so plainly instead of promising a payoff date that won’t arrive.
FAQ
Questions, answered.
When can I download Clearward?
Clearward is coming soon to the App Store for iPhone. It will run on iOS 17 and later.
Do I need to connect my bank?
No. Clearward never asks for bank logins. You type in your balances, rates and minimums. If you want spending insights, you can import a CSV or text-based PDF statement that you’ve downloaded yourself.
Which is better: highest interest or smallest balance first?
Paying the highest interest rate first usually costs the least overall. Paying the smallest balance first gives you quicker wins, which helps some people stay motivated. Clearward starts with highest interest first, and you can switch anytime in Plan and see the difference instantly.
How accurate is my debt-free date?
It’s an estimate based on the balances you enter, monthly interest (APR ÷ 12), your minimums and no new charges. Lenders calculate daily interest and may add fees, so their numbers can differ slightly. Update a balance from your latest statement anytime to keep things on track.
Where is my data stored?
In a single protected file on your iPhone. Clearward has no account system and no servers. It’s excluded from device backups, so if you’d like a copy, use Export in Settings and choose where to save it.
Does the AI send my transactions anywhere?
No. Category suggestions use Apple’s on-device model only, on iPhones with Apple Intelligence on iOS 26 or later. Only short merchant descriptions are classified, and suggestions never confirm a row for you. On other iPhones, built-in rules and manual choices work just the same.
Can I try it without entering my own numbers?
Yes. “Explore the sample app” opens a clearly labeled demo with fictional data. Your own workspace is untouched, and you return to it when you exit.
More detail on imports, exports and settings lives on the Support page.
One step closer, every month.
Clearward is coming soon to iPhone. Until then, build a sample plan and see what your next chapter could look like.
COMING SOONfor iPhone
Try the planner
Requires iOS 17 or later.