Know before you click.
CliqSpend steps in the moment before you spend and reframes the price into what it really costs you — hours worked, goal progress, future value. Here’s exactly how every part of the app works, step by step.
Getting started
Create your account, tell CliqSpend what you’re saving for, and connect the accounts you want it to watch.
Create your account
Sign up in seconds — no long forms, no card required to start.
- Open CliqSpend and tap Get started.
- Choose Continue with Google, Apple, or an email & password.
- You land straight on a 60-second guided tour of the app.
Set your first goal
Your goal is the yardstick every purchase gets measured against.
- Name your goal (e.g. Emergency Fund).
- Pick a type — Savings, Debt payoff or Purchase — and an icon.
- Enter a target amount and how much you’ve saved so far, then tap Create goal.
Meet your dashboard
Your home screen shows total saved, impulse buys avoided, and quick access to every tool.
- See Total saved toward your goals and money avoided at a glance.
- Jump into any feature from the tiles and the bottom tab bar.
- Tap the bell any time to review your alerts.
Connect a bank & link a card
This is what powers real-time alerts — and it’s optional and reversible any time.
- In Profile → Bank account, tap Connect your bank (secured by Plaid).
- Under Real-time card alerts, tap Link a card to get an alert the second you tap or swipe.
- Toggle exactly which alerts you receive in Profile → Notifications.
Instant card-swipe alerts
Link a Visa or Mastercard to be nudged the moment a charge is authorised — alongside your bank sync.
- Tap Link a card and follow the secure prompts.
- The instant you pay, CliqSpend surfaces the charge to reframe.
- Use Simulate a card charge to preview the experience.
Catch the spend before it happens
This is the heart of CliqSpend. When a purchase is flagged, we pause and reframe it in the terms that actually change your mind.
Purchase interception & reframing
A big or late-night charge triggers a gentle interception card — not a lecture.
- CliqSpend flags the purchase and pauses you with one tap.
- The amount is reframed as hours of work, goal progress, a comparison, or future value.
- Choose Skip it and bank the win, or Go ahead — you’re always in control.
Put found money to work
Every dollar you don’t waste can be redirected — to crushing debt, cutting bills, or growing your net worth.
Debt Payoff Optimizer
See your fastest, cheapest route to debt-free — and shorten it in real time.
- Add each debt (balance, APR, minimum payment).
- Pick Avalanche or Snowball — we recommend the smarter one for you.
- Apply found money and watch your debt-free date jump forward.
Bill Negotiation
Spot bills you’re overpaying and get an AI-drafted script to lower them.
- Pick a category — bill, insurance, medical, or card APR.
- Add the provider and what you pay today.
- Tap Draft my script and send or read it on your call.
Cancel Concierge
Tell us what to cancel and we handle the calls, forms and follow-ups.
- Enter the subscription name (or pick a popular one) and its cost.
- Tap Cancel this for me — our concierge takes it from there.
- Track every request with a live status, and we’ll nudge you if it drags on.
Price Intelligence
Know instantly if you’re overpaying on recurring services for your area.
- We compare your rates against typical prices in your ZIP.
- Overpaying charges get flagged with your potential yearly savings.
- One tap sends an overpriced bill straight into the negotiation flow.
Net Worth Tracker
Add cash, investments and property to see your whole picture trend over time.
- Tap Add and log each asset with its value.
- See assets, debt and net worth summarised with a live trend line.
- Switch ranges (1M/3M/6M/1Y) to watch progress compound.
Understand your money mind
CliqSpend doesn’t just track what you spend — it explains why, forecasts what’s coming, and answers your questions.
Financial Health Score
One score, tracked over time, that shows exactly what’s helping and hurting.
- Get a 0–100 score with a plain-English grade.
- See the factors — savings rate, debt-to-income, consistency, goals.
- Follow Your path up for the highest-impact next move.
Behavioral Triggers Report
A weekly, AI-written read on when and why you overspend.
- See your spending by time of day and day of week.
- Spot your weak spots and your wins at a glance.
- Get specific, kind guidance to break the pattern.
Predictive Cash Flow
See the days your balance runs tight before they arrive.
- We project your balance 14 days out from paydays and bills.
- Spot your lowest point and average daily spend.
- Adjust plans early — no more surprise shortfalls.
CliqSpend Advisor
An AI money coach that knows your goals and numbers.
- Ask anything — “Pay off debt or save first?”, “How do I build an emergency fund?”
- Tap a suggested question or type your own.
- Get personalised, judgment-free guidance in seconds.
Built for your world & your team
CliqSpend speaks your industry’s language and can be offered as a financial-wellness benefit by your employer.
Industry mode & employer benefit
Pick your world and every purchase is translated into terms you already think in.
- Choose your sector — see a live example like “$120 = 0.8 billable hrs”.
- Have a company code? Enter it to unlock Premium for free.
- Your whole team gets to stop bad money decisions — on the company.
Employer dashboard
Admins see adoption and anonymized wellness wins — never individual data.
- Enter your admin code to open the dashboard.
- Track seat usage, engagement and aggregate impact.
- Everything is privacy-first — no names, emails or transactions.
Start seeing the real cost.
Set a goal, connect your accounts, and let CliqSpend catch the next purchase that matters — before it happens, not after.
Get CliqSpend