Everything Clara does,
no marketing-speak.
Features are grouped by surface. Each has a clear purpose: make understanding your money conversational, not operational.
Reads your statements
Drop a bank screenshot, a PDF or a CSV. Clara extracts transactions, suggests categories and always asks before touching anything.
Listens to voice notes
"Paid rent" over WhatsApp is enough. Clara transcribes, classifies and updates the month without you opening the app.
Syncs with your bank
Read-only Open Banking. Connect once, sync per month, and Clara matches transactions against your planned expenses. Clara never has access to your money.
Organized by month
A template defines a recurring expense. Each month has an independent copy that you tick when you pay it.
Real multi-bank
Every expense knows which bank it lives in. Useful when you split rent across three accounts and want to know how much is left in each.
Charts only when they help
Clara does not throw charts for the sake of it. They render inline only when they actually clarify what's going on.
Speaks plain English
No corporate jargon. Clara talks like an accountant friend who knows what she's doing — no lectures, promised.
Your data is yours
Open source MIT. Self-hostable on any Vercel/Postgres. No telemetry, no tracking, no AI upsell at $9.99/month.
MCP for your AI
Clara exposes an MCP (Model Context Protocol) server. Hook it up to Claude Desktop, Cursor or ChatGPT and your own assistant can query and update your finances with your permission.
Chat-first, multimodal
Clara is a conversation, not a form. You send her text, a bank photo, a PDF, a CSV or a voice note — she understands.
Under the hood she uses Vercel AI SDK v6 with AI Gateway: multimodal models to read images and PDFs, Whisper for voice transcription, OpenAI TTS to reply in audio when you message her on WhatsApp.
Before touching your database she always shows you a proposal and asks for confirmation. Clara never touches your money without explicit permission.
Organized by month, with templates
Every recurring expense lives as a template (Expense). Each month has its own copy (MonthExpenseLine) that you tick when you pay it. If a month has a one-off expense, you add it only there.
This gives you something flat spreadsheets don't: a month-by-month history that distinguishes recurring from one-off, with an independent balance for each.
Open Banking + multi-bank
Read-only automatic Open Banking connection: sync your Revolut or any European bank, and Clara matches the transactions against your planned templates. Clara never has access to your money.
Every expense knows which bank it lives in. Useful when you split rent across three accounts and want to know how much is left in each.
WhatsApp as your main inbox
Link your number from Settings and send voice notes, photos or text to Clara on WhatsApp. Clara transcribes voice, classifies the expense and replies in audio.
It is the fastest way to register an expense: you walk, you send "paid the electricity $120", and it is logged.
MCP for your own AI assistant
Clara exposes two MCP (Model Context Protocol) servers:
• `/api/mcp` — Public, no auth. Your AI assistant can query features, FAQ and Clara docs to answer "what is Clara", "how does she process PDFs", etc.
• `/api/mcp/user` — Authenticated by bearer token (generated from Settings → AI access). Your AI can list your months, query balance, add expenses, mark them as paid — always within the scope of your token.
Works out-of-the-box with Claude Desktop, Cursor, ChatGPT (custom GPTs) and any MCP-compatible client.
Open source, MIT, self-hostable
Stack: Next.js 16 (App Router) + Postgres + Prisma 7 + Vercel AI SDK v6. Optimized for Vercel but runs on any Node.js 24.
Clone the repo, configure .env, run `npm run prisma:migrate` and `vercel deploy` — done. Full guide in the README.
No telemetry, no tracking. Your data lives wherever you put it.