Free forever · No account required

Your finances, finally clear

Credit score, budgeting, and subscription control — in one app.
No servers. No sign-up. Your data stays on your device.

Windows 10/11 · No sign-up · 30 MB

Clearbook
Credit Score
742
↑ +12 this month
Spent This Month
$1,840
84% of budget
Active Subscriptions
7
$94/mo total
Credit utilization28%
NetflixSubscription · auto-detected
−$15.99
Whole FoodsGroceries
−$67.40
Adobe CreativeCancelled by Clearbook
Saved $54.99
3-in-1
apps replaced
0 bytes
sent to servers
100%
free, always
Features

Everything in one place

Three tools you've been juggling across different apps — now unified and private.

Credit monitoring

Track your score, see what's affecting it, and get alerts when something changes — all pulled from your local data.

Budget & spending

Set budgets by category, track transactions, and visualize where your money goes each month.

Subscription control

Auto-detect recurring charges, flag forgotten subscriptions, and track your total monthly spend on services.

Privacy

Zero data leaves your device

No account, no servers, no selling your data. Clearbook was built around one principle: your finances are yours.

Local storage only

All data is stored in an encrypted file on your computer. Nothing is transmitted anywhere.

No sign-up required

Open the app and start using it. No email, no password, no payment info — ever.

Free forever

No freemium tricks. No "pro" tier that locks core features. The whole app is free.

Open about how it works

Import your data via CSV or manual entry. No bank login required — you control what goes in.

How it works

Up and running in minutes

No bank logins. No cloud setup. Just three steps and you're in control.

01
Import

Bring your data in

Export a CSV from your bank (takes 60 seconds on any US bank site) and drop your free credit report from AnnualCreditReport.com. That's it — no logins, no OAuth, no API keys.

02
Analyze

Clearbook does the work

Transactions are auto-categorized, recurring charges are flagged, credit utilization is calculated, and your score trend is charted — all locally, all instantly.

03
Act

Make smarter decisions

See exactly where your money goes, cancel forgotten subscriptions, set category budgets, and track your credit score over time — with full context in one view.

FAQ

Common questions

Answers to the things people ask most.

You import your credit report file (available free from AnnualCreditReport.com) and Clearbook parses and tracks it locally. No third-party connection required.
Import a CSV export from your bank, or add transactions manually. Most US banks let you export a CSV from their website in under a minute.
Yes, completely free. We plan to offer an optional one-time paid upgrade for power features in the future — but the core app will always be free.
Your data file stays on your computer in a folder you choose. Uninstalling the app doesn't delete anything. You can also export a full backup at any time.

Take control of your finances

Free. Private. No strings attached.

Download Clearbook

Windows 10 / 11 · v1.0 · 30 MB

Your download has started!
Clearbook is a new app, so Windows SmartScreen may show a security warning. This is completely normal — the file is safe and verified. Just follow these steps:
01If a warning appears, click "More info"
02Then click "Run anyway" — the file is safe