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

Safe to Spend
$82.70
$114.70/day · 10 days until payday
Rent due Fri -$760.00
Amex due Tue -$1,850.00
Spotify -$22.99
After payday +$3,887
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.
$
Safe to Spend
Your real daily spending budget — pool divided by days until payday, minus what you've already spent today. Updated live.
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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.
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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.