Coming soon · Sydney, Australia

Your bank balance lies.
This is the honest number.

Clonk tells you exactly how much you can spend today — after bills, before payday — updated in real time.

Australian Open Banking · No credit card required

How it works

Connect once. Know your number instantly.

01
Connect your bank
Clonk connects to your Australian bank via Open Banking. Your login credentials never touch our servers — ever.
02
We find your patterns
Clonk automatically detects your recurring bills, subscriptions, and income. Rent, utilities, Spotify — all mapped without you lifting a finger.
03
Know your real number
Safe to Spend updates in real time. One honest number that accounts for everything coming up before your next payday.
04
Stay ahead
A 90-day cash flow forecast shows exactly where your balance is headed. No surprises. No overdrafts. No anxiety.
Try it yourself

See your real numbers in 60 seconds

No account needed. No bank connection. Just your numbers.

Your personal Safe to Spend

Answer 5 quick questions to see your result

Step 1 of 5
How much do you get paid and how often?
Step 2 of 5
What's your housing situation?
✓
Renting
✓
Mortgage
✓
No housing cost
Step 3 of 5
Which utilities do you pay for?
✓
Electricity
✓
Gas
✓
Internet
✓
Phone plan
✓
Water
Step 4 of 5
Any subscriptions?
✓
Netflix
✓
Spotify
✓
Disney+
✓
Gym
✓
Amazon Prime
✓
iCloud
Step 5 of 5
Do you have a credit card?
✓
Yes
✓
No
$
Safe to Spend
Your real daily spending budget — pool divided by days until payday, minus what you've already spent today. Updated live.
↗
90-day forecast
See your projected balance three months ahead. Know before it happens — not after.
⚡
Smart nudges
Real-time alerts that actually mean something. "Your Amex is due in 4 days. After that, Safe to Spend drops to $340."
🔍
Subscription audit
Clonk finds every subscription you're paying for — including the ones you forgot about in 2022.
🏦
Australian built
Built natively on Australian Open Banking (CDR). Works with ANZ, CommBank, Westpac, NAB, and more.
🔒
Privacy first
Your credentials never leave Basiq. Your data is encrypted and isolated. You can delete everything, permanently, any time.

Stop guessing. Start knowing.

Join the waitlist for early access.