Built for Nigerian banking

Your bank statement
has been trying to tell you something.

Klariefy reads your transactions and reveals the quiet patterns behind your money. Not budgets. Not bookkeeping. Just clarity about a financial life that was always yours.

Get startedSee it in motion
Supports statements from
GTBankAccessZenithUBAOpayMoniepointPalmPayKuda
app.klariefy.com / overview

Good evening, Oluchi.

November 2026
Your monthly burn rate
₦248,420/month
₦57,135 weekly₦8,162 daily↓ ₦12,300 below last month
Balance journey
30 days
Nov 1Nov 8Nov 15Nov 22Nov 30
Where it goes
Top 5
Food & delivery₦42,000
Transfers out₦38,500
Transport₦24,800
Subscriptions₦18,200
Shopping₦12,900

You spent ₦42,000 on food delivery this month.

Mostly weekends. Friday is your peak.

You consistently support four people financially.

Roughly ₦67,000 monthly. Stable since June.

Three subscriptions you may have forgotten.

₦4,200 monthly. Last used over 90 days ago.

Most people don't have a money problem.
They have a visibility problem.
A quiet truth, made loud.
What Klariefy reveals

A reading of your money in your own voice.

Every transaction tells a story. Klariefy reads them all and gives you back the chapters you couldn't see while you were living them.

01 People analysis

The four people you keep sending money to.

Klariefy maps every transfer, then quietly tells you who is on the other end of your generosity, how often, and how much.

  • Most frequent recipients
  • Net giver, net receiver, or balanced
  • Largest single transfers, contextualized
M
Mama
12 transfers this year
₦480,000
Net giver
C
Chinedu
9 transfers this year
₦215,000
Net giver
A
Ada
7 transfers this year
₦92,500
Balanced
T
Tunde
5 transfers this year
₦68,000
Net giver
02 Spending heatmap

The days your wallet exhales, and the days it doesn't.

A quiet calendar that tells the truth. See which days your money moves fastest and the shape of your week as it actually is.

  • Spending intensity by day
  • Weekday vs weekend patterns
  • Anomaly detection on spikes
NovemberBy weekday
M
T
W
T
F
S
S
Quiet
Loud
03 Subscription intelligence

The quiet bleed of things you forgot you signed up for.

Klariefy flags recurring charges, projects them yearly, and gently shows you what you stopped using months ago but never stopped paying for.

  • Active and dormant subscriptions
  • Annual projections at a glance
  • Renewal calendar with reminders
Spotify Family
Monthly · Active
₦2,500
₦30,000/year
Netflix
Monthly · Active
₦4,400
₦52,800/year
Headway
Monthly · Unused 94 days
₦1,800
₦21,600/year
Calm
Monthly · Unused 142 days
₦2,400
₦28,800/year
Built quietly, on principle

Your statement never leaves the room.

Klariefy treats your data the way you'd want it treated. Encrypted in transit, encrypted at rest, and gone the moment you say so.

End-to-end encryption

Every file is encrypted before it reaches our servers and decrypted only when you request a reading.

Automatic deletion

Source files are purged on a schedule you control. Only your derived insights remain in your workspace.

Nigerian data residency

Processing and storage stay in jurisdictions aligned with Nigerian data protection guidelines.

Pricing

Begin with clarity. Stay for the depth.

Free to try. Modestly priced when you want the full reading. No hidden tiers, no surprise fees.

Quiet
For your first statement, on us.
₦0
  • One statement upload per month
  • Burn rate, categories, leaks
  • Up to 30 days of history
Start free
Premium
Clear
Everything, every month, forever yours.
₦4,900/month
  • Unlimited statement uploads
  • Month over month comparisons
  • People, subscriptions, heatmap
  • Financial personality readings
  • Export and monthly email digest
Upgrade to Clear
Questions

Things worth knowing.

GTBank, Access Bank, Zenith, UBA, Opay, Moniepoint, PalmPay, and Kuda at launch. New banks are added monthly based on user demand.
Never. Klariefy reads statements you upload yourself. No bank credentials, no open banking handshake, no third-party access.
By default, original statement files are deleted after processing. Insights and transaction summaries remain in your workspace. You can delete everything at any time.
Budgeting apps ask you to plan. Klariefy shows you what you already did. The goal is awareness, not restriction.
Yes. One click, no follow-up emails, no friction. Your data can be exported or deleted at the same time.

Know where your money actually goes.

Upload your first statement. Read the chapters you've been living. Decide what comes next.

Get started →