Clutch
Personal Finance
Know your money. Every pay period.
A beautifully simple personal finance app for iPhone. Clutch tracks your recurring bills against your actual pay schedule — so you always know exactly what each paycheck needs to cover and what's genuinely left over. No bank logins. No subscriptions. No complexity.
June 1–15
Paycheck
$2,400.00
Bills Due
Remaining
$1,305.00
How it works
A simple, honest view of your money — tied to how you actually get paid.
- 1
Add your income sources — set your pay schedule (semi-monthly, biweekly, or custom) and paycheck amounts.
- 2
Enter your recurring bills — assign each one a due date so it's automatically tied to the right pay period.
- 3
See your pay periods — each cycle shows total income, bills due, and what's left over after every bill is covered.
- 4
Know exactly what you have — no guessing, no spreadsheets, no bank logins required.
Built around your paycheck
Not another budgeting app. A focused tool that answers one question: what do I actually have left?
Pay Period Tracking
Bills are automatically assigned to the pay period their due date falls in. See exactly what each paycheck needs to cover.
Remaining Funds
Every pay period shows income minus assigned bills — a clear, honest picture of what's actually left over.
Bill Management
Track all your recurring bills with due dates, amounts, and categories. Add, edit, or remove them anytime.
Income Sources
Support for multiple income sources with flexible pay schedules — semi-monthly, biweekly, or custom intervals.
iCloud Sync
Your data is stored privately on your device and synced across your Apple devices via iCloud. No server, no third-party access.
Sample Data
Start immediately with realistic sample data pre-loaded so you can explore the app before entering your own information.
Clean Native Design
Built with Swift and SwiftUI for iPhone. Feels exactly like it belongs on iOS — fast, fluid, and familiar.
One-Time Purchase
Free to download with a single one-time in-app purchase to unlock full functionality. No subscription. Ever.
Pay once. Own it outright.
Clutch is a one-time purchase — no recurring charges, no feature gates that appear later, no subscription pressure. Pay once, use it forever.
The IAP commitment
Everything available at launch stays available. Future in-app purchases will only unlock new capabilities that don't exist in v1. The app you buy today will always be the app you keep.
iOS first. Android coming.
Clutch launches on iPhone with a clean SwiftUI design, iCloud sync, and native Apple feel. An Android port built with Jetpack Compose and Google Drive sync is actively in development — same philosophy, same simplicity, native to Android.
Both apps are independent, purpose-built for their platform. No lowest-common-denominator cross-platform frameworks. Just native apps that feel right.
iOS · iPhone
Swift · SwiftUI · CloudKit · StoreKit 2
Android · In Development
Kotlin · Compose · Drive · Play Billing