We built ClearFi because financial clarity shouldn't cost anything
Most financial tools are either paywalled, buried in ads, or hand you a number without telling you what to do with it. We built ClearFi to fix that — free tools that show you exactly what your numbers mean and what action to take next. No signup. No upsells. Just clarity.
Our mission
ClearFi's mission is to make personal finance tools accessible to everyone. Every calculator on this site is free, requires no signup, and is designed to give you a specific action — not just a number. We believe that understanding your finances shouldn't depend on your ability to pay for software or sit through a sales pitch. Good financial tools should be a public good.
What makes us different
Built for action, not just information
Every tool tells you what to do next, not just what your current situation is. You leave with a plan, not a number.
Your data stays in your browser
Calculator inputs are never sent to our servers. Everything runs locally in your browser — we literally cannot see what you enter.
Shareable results
Every result page has a unique URL you can share with your partner, advisor, or anyone who needs to see it.
Reviewed for accuracy
Our calculation methodology is reviewed by a certified financial planner to ensure the numbers you see are ones you can trust.
Our free tools
Complete Financial Checkup
Answer 5 steps about your money and get a personalised Financial Health Score with a prioritised action plan.
Use calculatorFinancial Health Score
Get a score across savings, debt, budget, and protection with specific next steps to improve each area.
Use calculatorDebt Payoff Calculator
See your exact debt-free date and total interest using the avalanche or snowball method.
Use calculatorCredit Utilization Calculator
Find your current utilization ratio and see exactly what changes will improve your credit score.
Use calculatorBudget Planner
Build a realistic monthly budget using the 50/30/20 rule tailored to your actual income.
Use calculatorEmergency Fund Calculator
Calculate exactly how much you need in your emergency fund based on your monthly expenses.
Use calculatorMinimum Payment Calculator
Discover how long it takes to pay off a balance making only minimum payments — and the true cost in interest.
Use calculatorOur commitment to accuracy
All financial calculations on ClearFi are based on standard financial formulas used by banks, financial planners, and credit bureaus. Our debt payoff calculations use standard amortization. Our credit utilization calculations follow FICO scoring guidelines. Our budget recommendations are based on the widely accepted 50/30/20 rule.
Results are estimates based on the inputs you provide and should not be taken as professional financial advice. For major financial decisions — including debt consolidation, investment strategy, or retirement planning — we strongly recommend consulting a certified financial planner (CFP).
For a detailed breakdown of how each calculation works, see our methodology page.
All financial content on ClearFi is reviewed by James Wilson, CFP, a certified financial planner with 12 years of experience.
Disclaimer: ClearFi is for informational purposes only and does not constitute financial advice. The tools and calculators on this site provide estimates based on the information you enter. Results may vary based on factors not captured in the inputs. Always consult a qualified financial professional before making significant financial decisions.
Get in touch
We'd love to hear from you — whether it's a bug report, a tool suggestion, or a question about one of our calculators.
- General questions & feedback: hello@getclearfi.com
- Press inquiries: press@getclearfi.com
- Affiliate partnerships: partners@getclearfi.com