See where every single dollar went, and what it was for

Klir shows you all your money and explains where it went, in plain English. It's built for people with a first job or first card, because the money apps that replaced Mint are priced and written for 35-year-olds with a mortgage. You get straight answers, not a lecture about what you should have done.

What it looks like

Klir is not open to everyone yet, but it is built and running. Every picture below is a real screen, taken straight from the app. The accounts behind them are Plaid's test data, so the names are placeholders and none of the money is real.

123

1. 1$320.00 is checking plus savings, added up across every bank you connect.
2. 2The line is money in against money out over 30 days. It is not your balance, and the label says which one it is.
3. 3A last-synced line sits underneath. A money number with no timestamp is one you cannot check.

12

1. 1Ten accounts across three banks, each under a heading that says which side it is on and carries its own subtotal.
2. 2Only checking and savings are Cash, which is why that first total is $320.00 and not $74,481.74. The page says so in its own words.

123

1. 1$214.63 spent so far, split by category with the biggest first.
2. 2Shopping took $89.40 of it. The bars are lengths, not a pie you have to decode against a legend.
3. 3Buying something on a card still counts as spending, even though a card never counts as cash. The card says so rather than leaving you to work it out.

123

1. 1Today and Yesterday are named. Anything older carries its date, so you are never counting backwards to work out when something happened.
2. 2CD DEPOSIT .INITIAL. is all that shows up for a $1,000 charge. Turning lines like that into something readable is the next thing being built.
3. 3Money out is plain black and money in is green. An ordinary week should not look like a page of errors.

123

1. 1$78.50 spent against a $75 limit, so this one is over. That $75 is one of Klir's starting limits, not a number picked by hand.
2. 2105% of the budget against 42% of the month. That pairing is the whole point: 85% reads very differently on the 4th than on the 28th.
3. 3Over is spelled out next to the red. Colour is never the only thing carrying the message.

What's coming

Here's what you'll be able to do the day it opens:

• Tap any charge to see what it was

  A line like "TST* MERCHANT" tells you nothing. Tap it and Klir names the actual cafe or store, and shows what you've spent there this month.

• Spot a charge you didn't expect

  Klir flags a charge that doesn't fit your normal pattern, like a subscription that quietly went from $9.99 to $19.99. It tells you it's there. What you do about it is your call.

• Hide your balances with one tap

  Checking your money on the subway shouldn't mean showing it to the person next to you. One tap blurs every number on screen, one tap brings them back.

Read-only, always

Klir connects to your accounts to read them, and that is all it can do. It sees your balances and transactions, but it can never move, send, or spend a cent, not even by accident. Your bank connection runs through Plaid, the same service Venmo and Robinhood use, so Klir never sees your bank password.