A Fred Livai Financial App
A budget built around your real paycheck.
Most money stress starts with not knowing where the money goes. Clear Cents Budget gives you a simple, honest picture of income, bills, and spending — and a steady way to stay on track, right from your phone.
How It Works
Simple steps, clear picture.
Set Up Your Budget
Add your income, bills, and spending categories. The plan is built around your actual paycheck.
Track Spending
Log purchases or scan receipts, and each one is categorized for you.
See Your Progress
Reports and insights show where you stand at a glance.
Stay Accountable
Weekly AI coaching spots patterns and helps you stick to your goals.
What's Inside
What Clear Cents Budget helps you do.
Paycheck-Aligned Budgets
A plan that matches your real income and expenses — not a generic template.
Everyday Spending
Transactions and receipts in one place, so you can see where every dollar goes.
Bill Reminders
Reminders before due dates help you stay prepared.
Debt Payoff Options
Compare avalanche, snowball, and hybrid approaches side by side.
Savings Goals
Emergency fund, a trip, a big purchase — set it and watch it grow.
Budget Together
Couples and households can share a workspace and plan as a team.
Clear Cents Budget is a separate subscription app with its own plans and terms. It is an educational budgeting tool and does not provide individualized financial, legal, or tax advice.