ClearSpent: Agent Finance

Financial agent + budgets, subscriptions, installments, groups, 10 currencies, voice, PDF import. Every move needs your tap. Consent-first. Private by default.

Kitna is the first financial agent built around consent.

You talk. Kitna proposes the exact action. You tap to approve. Nothing happens until you do. Not a single peso moves, not a single transaction is logged, not a single budget updates without your explicit yes.

Tell. Trust. Track. That's the flow. Faster than a form, safer than "set and forget."

WHAT KITNA CAN DO FOR YOU

• Log any transaction by voice or text — "I spent 500 on groceries at SM today" becomes a proposed entry with the right merchant, category, account, and currency.
• Create, update, and delete transactions, budgets, categories, and accounts — only after you approve each one.
• Move money between accounts with a two-tap confirmation.
• Answer questions about your spending — "how much did I spend on food this month?" — with no changes to your data.
• Speak English, Tagalog, or Taglish. Whichever feels natural.

WHAT CLEARSPENT SHIPS BEYOND THE AGENT

Budgets + envelopes. Category budgets with envelope-style tracking. Live progress bars and gentle warnings before you overshoot — not after.

Subscriptions + recurring transactions. Netflix, Spotify, gym, rent, insurance — log once, ClearSpent tracks them forever. See total monthly commitments at a glance.

Installments + loans. Track BNPL, credit card installments, and personal loans with full amortization. Always know what's left to pay.

Transfers between accounts. Two-tap confirmation. Balances update on both sides. No duplicate entries.

Smart AI categorization. Imported transactions get auto-categorized. One tap to correct — and it learns.

Monthly AI insights. A readable breakdown of where your money went and what changed from last month.

10 currencies, one app. PHP, USD, EUR, JPY, GBP, AUD, SGD, HKD, KRW, CNY with live rates. Foreign accounts stay in their native currency. Built for OFWs and anyone earning in more than one currency.

Offline-first PWA architecture. Add transactions on the MRT, in the province, on a plane. Everything syncs when you reconnect. You never lose data to bad signal.

Shared groups. Household finances, barkada trips, small business — create a group, add members, and everyone shares the same budgets and transactions. Clean permissions. Personal money stays personal.

Voice input + PDF import. Talk to Kitna (20 voice logs per day, free). Or drop in a BPI, BDO, UnionBank, GCash, or Maya statement PDF and let ClearSpent parse and categorize every line.

Wealth tracker + auto snapshots. Net worth across every account with automatic daily, weekly, and monthly snapshots. Watch your trajectory over time.

Investment portfolio. Log holdings, track gains and losses, see the full picture.

MP2 + Time Deposit calculators. Compare Pag-IBIG MP2 returns against BPI, BDO, UnionBank, Security Bank, and Metrobank time deposits before you commit capital.

Spending summaries + push notifications. Optional daily and weekly roundups. Turn off anytime.

Custom categories, dynamic fields, dashboard layouts, dark mode. Make it yours.

THE TWO PROMISES THAT MAKE ALL OF THIS SAFE

Consent-first. Every Kitna action is a proposal you must approve. No background actions. No silent changes. No "set and forget."

Private by default. Your data is never sold, never shared, never used to train public AI models. Ever.

Free to try. Cancel anytime. Your money, your move.

clearspent.com