Safe balance
Checking, less every bill's set-aside. The number you can actually spend, updated as transactions arrive.
CASE STUDY
Clicket
A budgeting app for the people Simple left behind: a balance that already knows about your bills, expenses that fund themselves and savings goals, on top of whichever bank you moved to.
The problem
When Simple closed in 2021, its customers were moved to another bank and lost the tools they'd built their budgets around: a balance that already subtracted upcoming bills, envelopes that filled a little every payday and goals that grew on their own.
Their money moved fine. Their habits didn't. They were used to a bank that planned the next few weeks for them, and the bank they landed at only showed them the past.
One number, three ideas
Everything in Clicket feeds the safe balance: what's in checking, minus what's already spoken for.
Expenses that fund themselves
Each bill gets an envelope. Every payday, Clicket tops each one up with an even share of what it still needs before it's due, and matches the bill's transaction to it when it posts.
Goals
Deposits into savings are split across your goals by how much each needs per month, so every goal moves forward without a manual transfer.
What Clicket does
- Bank sync through Plaid
- Safe balance
- Self-funding expenses
- Carryover and over/under tracking
- Savings goals
- Spending breakdown by category
- Transaction calendar
- Shared budgets for partners
- iOS, Android and the web
Try it
The demo runs the original app against seven months of simulated finances for a fictional user. Nothing you enter leaves your browser.
Open the demo →Have a product like this in mind?
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