Join the founding list

Home money. Work money. Sorted.

Clementine keeps your household spending and your side-hustle income in one place, with invoices, GST and tax set aside, connected to your Australian bank accounts.

Join the founding-member list

Scroll, and the tray sorts itself. The figures in the tray are an example. Bank feeds arrive through PocketSmith today.

Home

A$761.30

Rent, groceries, the card

Work

A$1,320.00

Invoice 0042, paid

GST

A$120.00

Owed to the ATO

Tax

A$360.00

Set aside, an estimate

Yours

A$840.00

What is left of the invoice

YoursWhat is actually safe to spend.

just landed. How much of it is yours?

Invoice 0042 has been paid. Before you spend it, Clementine works out the GST, what to set aside for tax, and what is left.

Keep scrolling to split it.

  1. GSTOne-eleventh of the invoice. Held for your next BAS.

  2. Tax, set aside30% of the A$1,200.00 left. An example rate: you choose your own.

  3. YoursWhat is actually safe to spend.

A$840.00 + A$360.00 + A$120.00 = A$1,320.00. Every cent has a place. Example figures; tax amounts in Clementine are estimates. The automatic split is being built now and arrives with the founding release.

Four BAS dates and one 30 June.

A sole trader's year has a rhythm. Clementine marks it on the same line as everything else, so a due date is something you walk up to with the money already put aside.

Standard quarterly due dates for people who lodge their own BAS. Yours can differ, for example if you lodge through an agent.

1 July 2026. The financial year starts.

  1. 28Oct

    BAS for July to SeptemberThe first of the year. The GST from each invoice is already sitting to one side.

  2. 1Mar

    BAS for October to DecemberNormally 28 February. In 2027 that is a Sunday, so it moves to Monday 1 March.

  3. 28Apr

    BAS for January to MarchThe short gap. It comes round fast.

  4. 28Jul

    BAS for April to JuneDue four weeks after the year has closed. The easy one to forget.

30 June 2027. The year ends; the books close.

Six things you open it to do.

Four for the household, two for the side hustle, one tray. Some of it is in the app today and some is still being built. Each compartment says which.

See where I stand

One number when you open it: what is safe to spend until pay day, after what you have spent, the bills still to come and what you plan to save.

  • Balances and transactions from your Australian bank accounts
  • A list of what needs your attention
  • Coming soonNet worth with super, shares and property
  • Hide amounts with one tap

Safe to spend

A$1,286.70

until pay day, Thursday 15 October

  • Pay this fortnightA$2,860.00
  • Spent so far−A$761.30
  • Bills before pay day−A$412.00
  • Saving this fortnight−A$400.00

Understand my spending

Transactions sort themselves into categories you can read, against limits you set.

  • Categories, limits and a month-by-month report
  • Subscriptions and free trials found for you
  • Split one card payment across categories
  • Budgets that run on your pay cycle, weekly, fortnightly or monthly

Spent this fortnight

A$761.30

  • RentA$620.00 of A$620.00
  • GroceriesA$86.40 of A$180.00
  • Eating outA$54.90 of A$80.00

Plan what's coming

Bills, renewals and one-off payments laid out by day, so nothing arrives as a surprise.

  • Planned payments and a calendar of money in and out
  • Reminders on your phone and computer
  • Coming soonA shared household with your partner

Coming up

  • Power Mon 12 OctA$162.80
  • Phone Tue 13 OctA$49.20
  • Car insurance Wed 14 OctA$200.00
  • Payday Thu 15 OctSalary in
  • BAS, July to September Wed 28 OctA$120.00 set aside

Save toward things

Goals with their own buckets. When money comes in, split it across them in one move.

  • Savings goals matched to your real accounts
  • Saved income splits, interest and projected balances

Saving toward

  • Emergency fundA$4,200 of A$6,000
  • HolidayA$1,850 of A$3,000
  • New laptopA$640 of A$2,400

Get paid

Invoices that look like yours, sent from where the rest of your money lives.

  • Invoices, templates, clients and payments recorded
  • Coming soonPay links on invoices
  • Coming soonQuotes that become invoices, and recurring invoices

Invoices

  • 0042 Harbour StudioA$1,320.00Paid
  • 0043 Fig Tree PhysioA$880.00Sent, due 17 Oct
  • 0044 Harbour StudioA$550.00Draft

Be tax-ready

An estimate of what you will owe and the money already put aside for it, all year.

  • Tax estimate, payslips, and deductions with receipts
  • GST on invoices and expenses, and a worksheet for each BAS
  • Business and personal spending kept apart, with part-business costs
  • Coming soonA tax set-aside worked out each time an invoice is paid
  • Coming soonCar logbook and working-from-home helper
  • Coming soonRead-only access for your accountant

Set aside this quarter

A$480.00

  • GST for the BAS due 28 OctoberA$120.00
  • Income tax an estimateA$360.00

The slips show made-up example figures. Bank feeds arrive through PocketSmith today.

Three plans, in Australian dollars.

Prices include GST. Founding members keep the founding price for as long as they stay.

Free

Keep track by hand, for as long as you like.

for as long as you like

  • Budgets, bills and savings buckets
  • Unlimited invoices and a tax estimate
  • Full data export, always

Plus

A household's money, arriving on its own.

a monthor A$99 a year

Founding members: A$59 a year, fixed for life

  • Bank feeds from your Australian accounts
  • Transactions sorted for you
  • Your partner included

Sole Trader

The household, plus the side hustle.

a monthor A$199 a year

Founding members: A$129 a year, fixed for life

  • GST and a BAS worksheet
  • Tax set aside when an invoice is paid
  • Pay links, quotes and recurring invoices

Everyone starts with 30 days of Sole Trader. No card. If you do nothing it drops to Free, and everything you entered stays.

See what is in each plan

Why you can rely on it.

  • You pay for Clementine, so it lasts. Pocketbook and MoneyBrilliant were closed by the companies that bought them.

    Pocketbook closed in August 2022 and MoneyBrilliant that December. Neither answered to the people using it. Clementine is paid for by its members and by nobody else: A$9.99 a month for Plus, and Free stays free.

    Why we charge

  • It never sells your data, and it never takes a referral fee from a lender.

    No ads, no partner offers, no commission from a bank, insurer or broker. The plans are the whole business, and the few services that process your data are listed with exactly what each one sees.

    Independent and staying that way

  • Everything you put in can be exported, in full, whenever you like.

    One zip: a spreadsheet for each kind of record, one JSON file with everything as stored, and your receipt photos. It is free on every plan, and it still works after a plan has ended.

    Your data

Join the founding list

Sign-ups are not open yet. Leave your email and we will write once, when founding places open. Founding members keep the founding price for as long as they stay.

Plus
A$59 a year, fixed for life A$99 a year after the founding offer
Sole Trader
A$129 a year, fixed for life A$199 a year after the founding offer

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