Free
Keep track by hand, for as long as you like.
A$0for as long as you like
- Safe to spend until pay day
- Budgets, bills and savings buckets
- Unlimited invoices and a tax estimate
- Full data export, always
Where your money gets sorted
Clementine keeps household spending and side-hustle income in one place, with Australian bank feeds and tax set aside.
Join the founding listSee how it works
How it works
Pay lands on Thursday and is sorted before you have looked. Add one yourself and it is sorted too.
Pay lands on Thursday and is sorted before you have looked. Add one yourself and it is sorted too.
Transactions
Thu 8 Oct, pay day Add one
- PayAcme Pty LtdSalary+A$2,860.00
- WoolworthsWed 7 OctGroceries−A$86.40
- OpalWed 7 OctTransport−A$12.30
- SpotifyFound for youSubscription−A$12.99
- Harbour StudioInvoice 0042 paidWork+A$1,320.00
The bills due before next pay day are set aside first. Tap one for a reminder.
Before pay day
Next pay day Thu 22 Oct
- Fri 9 OctRentA$620.00
- Sun 11 OctPowerA$162.80
- Mon 12 OctPhoneA$49.20
- Tue 13 OctCar insuranceReminder set for Mon 12 OctA$200.00
- Set asideA$1,032.00
Subscriptions and free trials are found for you, with what they cost a month.
Subscriptions
In your spending Find more
- NetflixMonthly, 14thA$18.99
- SpotifyMonthly, 7thA$12.99
- A month, all upA$31.98
Savings leave next, toward a goal with a date on it. Fifty more a fortnight moves the date.
Saving
Goals, matched to your accounts
Japan in March
A$1,850.00of A$6,000.00
A$400.00 each fortnight. There by Mar 2027.
A$50 more a fortnight
- Emergency fundA$4,200.00
- HolidayA$1,850.00
- New laptopA$640.00
- When pay lands, split it across them in one move.
A client pays an invoice. Mark it paid and GST and tax are put aside on the spot.
Work
Next BAS Wed 28 Oct, in 21 days
0042, Harbour StudioSent Fri 2 Oct
A$1,320.00
Mark paid
- GST, put aside
- A$120.00
- Tax, put aside at 30%
- A$360.00
- Yours
- A$840.00
An example rate. The estimate uses yours.
- Harbour Studio0042PaidA$1,320.00
- Fig Tree Physio0043Sent, due 17 OctA$880.00
- Harbour Studio0044DraftA$550.00
- Sent from your own email address. Quotes and recurring invoices too.
What is left is safe to spend, and you can see why. One tap hides the amounts.
Home
Thu 8 Oct
Safe to spend
A$1,428.00
until Thu 22 Oct
- PayA$2,860.00
- Bills before pay day−A$1,032.00
- Saving−A$400.00
Pick a goal. Watch it land.
What you are saving for, what you can put in, and what it earns on the way. The month it arrives is worked as you go.
Japan in MarchA$1,850 saved of A$6,000
There by Mar 2027, in 5 months.
NowTarget
A$74 of it is interest, at 4.5% a year.
Six things you open it to do.
Four for the household and two for the side hustle.
One number when you open it: what is safe to spend until pay day, after what you have spent, the bills still to come and what you plan to save.
- Balances and transactions from your Australian bank accounts
- A list of what needs your attention
- Net worth with super, shares, property and loans
- Hide amounts with one tap
Transactions sort themselves into categories you can read, against limits you set.
- Categories, limits and a month-by-month report
- Subscriptions and free trials found for you
- Split one card payment across categories
- Budgets that run on your pay cycle, weekly, fortnightly or monthly
Bills, renewals and one-off payments laid out by day, so nothing arrives as a surprise.
- Planned payments and a calendar of money in and out
- Reminders on your phone and computer
- A shared household with your partner
Goals with their own buckets. When money comes in, split it across them in one move.
- Savings goals matched to your real accounts
- Saved income splits, interest and projected balances
Invoices that look like yours, sent from where the rest of your money lives.
- Invoices, templates, clients and payments recorded
- Pay links on invoices
- Quotes that become invoices, and recurring invoices
An estimate of what you will owe and the money already put aside for it, all year.
- Tax estimate, payslips, and deductions with receipts
- GST on invoices and expenses, and a worksheet for each BAS
- Business and personal spending kept apart, with part-business costs
- A tax set-aside worked out each time an invoice is paid
- Earnings statements from rideshare and delivery apps, with tips, fees and GST
- Car logbook and working-from-home helper
- Read-only access for your accountant
Latest in the changelog, 3 October 2026: The rebuild
The things it does every day.
Once your accounts are in, three jobs run on their own: what lands is sorted, subscriptions are found, and a reminder reaches you before money goes out.
Transactions and budgets
Everything that lands is sorted into a category as it arrives, and your budgets fill as you spend. They run on your pay cycle, weekly, fortnightly or monthly, so a budget never crosses a pay day.
Subscriptions, found for you
Every subscription and free trial in your spending is found and listed with what it costs a month, and you hear before a trial starts charging or a price goes up.
Calendar and reminders
Pay days and bills go into the calendar you already use, and a reminder reaches your phone the day before each one. Add your own dates too: a car service, a school term, anything with a cost attached.
Three plans, in Australian dollars.
Prices include GST. Founding members keep the founding price for as long as they stay.
Plus
A household's money, arriving on its own.
A$9.99a monthor A$99 a year
Founding members: A$59 a year, fixed for life
- Bank feeds from your Australian accounts
- Transactions sorted for you
- Net worth with super and property
- Your partner included
Bank feeds for up to 2 accounts are included. More need a bank-feed plan from A$119.88 a year, paid to that service, not to Clementine.
Sole Trader
The household, plus the side hustle.
A$19.99a monthor A$199 a year
Founding members: A$129 a year, fixed for life
- GST and a BAS worksheet
- Tax set aside when an invoice is paid
- Quotes and recurring invoices
- Pay links on invoices
Everyone starts with 30 days of Sole Trader. No card. If you do nothing it drops to Free, and everything you entered stays.
Why you can rely on it.
You pay for Clementine, so it lasts.
A money app that somebody else pays for answers to them, not to you, and it closes when their plans change. Clementine is paid for by its members and by nobody else: A$9.99 a month for Plus, and Free stays free.
It never sells your data, and it never takes a referral fee from a lender.
No ads, no partner offers, no commission from a bank, insurer or broker. The plans are the whole business, and the few services that process your data are listed with exactly what each one sees.
Everything you put in can be exported, in full, whenever you like.
One zip: a spreadsheet for each kind of record, one JSON file with everything as stored, and your receipt photos. It is free on every plan, and it still works after a plan has ended.
Join the founding list
Sign-ups are not open yet. Leave your email and we will write once, when founding places open. Founding members keep the founding price for as long as they stay.
- Plus
- A$59 a year, fixed for life A$99 a year after the founding offer
- Sole Trader
- A$129 a year, fixed for life A$199 a year after the founding offer
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