No bank login required

Your books, one statement at a time.

ClearBucks is a bookkeeping app for entrepreneurs, gig workers and small businesses. Upload a bank statement and Lumi turns it into organized books and financial statements.

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Meet Lumi. Lumi reads your statement, does the math, and asks only what it needs to.

January statement.pdf

I see that for the month of January your business brought in $18,420.00. Payments out came to $11,275.36.

+ In$18,420

− Out$11,275

= Net$7,145

Example figures

I'm building your financial statements. Do you have February to add?

What you get

Books you can read, and hand to your tax professional.

Money in and payments out, to the centEach month totaled from your own statement.
A running profit and lossSee your net for the year at any time.
Spending by categoryMaterials, fuel, software, insurance and more.
A month-by-month viewTwelve months filling in as the year goes.
Weekly and monthly comparisonsSee how this week and this month compare with the last.
An estimated quarterly tax figureA planning estimate of what to set aside each quarter, based on your net profit.
A monthly reminderBy text or email, when your new statement should be ready.
Answers from LumiAsk what you made, what you spent, or where it went.
Financial statement downloadsA profit and loss statement (income statement) and a statement of cash flows, ready to download and share.
A mileage reminderLumi reminds you to record your business miles while they're fresh.
A mileage log estimateEstimated miles based on the fuel purchases on your statements and your vehicle's MPG.

Pricing

One plan. Pay monthly or yearly.

Prices are in US dollars. Your subscription renews automatically until you cancel.

Monthly

$29 per month

Billed every month. Cancel anytime.

Two months free

Yearly

$290 per year

Billed once a year. Includes $50 off business tax preparation with All About Taxes.

Catching up on past months: $15 for each earlier month, or $99 for a full prior year, charged once.
What every plan includes: statement uploads, Lumi, your books, weekly and monthly comparisons, financial statement downloads, an estimated quarterly tax figure, monthly statement reminders, a mileage reminder, and a mileage log estimate.

Questions

Good to know before you start.

Do I have to connect my bank account?

No. ClearBucks never asks for your bank login. You download a statement from your bank and upload it yourself, so you decide exactly what is shared.

What kind of files can I upload?

PDF statements and CSV transaction exports downloaded from your online banking. Scanned or photographed paper statements are not supported yet.

Is ClearBucks a tax service?

No. ClearBucks is bookkeeping software. It does not prepare tax returns or give tax, legal or accounting advice. Your books are yours to share with the tax professional you choose. The quarterly tax figure is an estimate to help you plan, and your tax professional can confirm what you owe.

Who is Lumi?

Lumi is the assistant inside ClearBucks. Lumi reads your statements, does the arithmetic, and asks you about transactions that could be business or personal.

How do the reminders work?

Choose text or email when you sign up, and the day of the month you prefer. Lumi sends one reminder when your statement should be ready and one follow-up if it's still missing. You can turn reminders off at any time.

Can I cancel?

Yes, at any time. See the cancellation and refund policy below.

Policies

The plain-language terms.

Last updated November 10, 2026.

Cancellation and refunds

You can cancel your subscription at any time from your account or by contacting support at 727-761-0170 or hello@clearbucks.co. Your plan stays active until the end of the period you have already paid for, and it will not renew.

Monthly payments are not refunded for partial months. A yearly plan can be refunded in full if you ask within 14 days of purchase. Catch-up charges for past months are not refundable once those months have been processed.

If you were charged in error, email us and we will make it right.

What we collect. Your name, business name, email, phone number if you choose text reminders, the identity documents you provide at sign-up, and the statements you upload.

How we use it. To confirm who you are, build your books, send the reminders you asked for, and support your account.

Payments. Card payments are handled by our payment processor. ClearBucks does not store your full card number.

Sharing. We do not sell your information. We share it only with service providers that help us run ClearBucks, when the law requires it, or with a tax professional when you ask us to.

Text messages. Texts are sent only if you opt in. Message and data rates may apply. Reply STOP to opt out.

Your choices. You can ask for a copy of your information or ask us to delete it by emailing hello@clearbucks.co.

The service. ClearBucks LLC provides bookkeeping software by subscription. The app organizes the statements you upload into bookkeeping records and financial statements.

Not professional advice. ClearBucks does not provide tax, legal or accounting advice and does not prepare tax returns. Results depend on the statements you provide. Please review your books before relying on them. Any tax figures shown are estimates for planning only.

Your account. You agree to give accurate information, upload only statements for accounts you own or are authorized to use, and keep your sign-in details private.

Billing. Subscriptions renew automatically at the price shown when you signed up until you cancel. We will tell you in advance if a price changes.

Changes. We may update these terms and will post the new date here when we do.

Contact. Questions about these terms can be sent to hello@clearbucks.co.

Your books, one statement at a time.

Made for people who run the business and keep the books.

Entrepreneurs

Gig workers

Small businesses

Three steps, then a few minutes a month.

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Drop in a statement

Answer a quick question or two