No paper. No boards.
Just a clean path out of debt.
Skip Clean is a friendly budget tracker that helps you pay off debt and build savings — without judgment, complicated spreadsheets, or fine print.
Free · No install · Works on your phone and laptop · Private by design
🎯 Debt-free! On to the next target.
Debt is stressful enough.
Your budget app shouldn't add to it.
Judgmental apps
Red charts, angry alerts, guilt trips. Shame has never paid off a credit card.
Spreadsheet chaos
Forty tabs, broken formulas, and a file named budget_FINAL_v7(2).xlsx.
"Free" apps that sell you
If you're not paying for the product, your financial data is the product.
Everything you need. Nothing you don't.
One calm place for your money — built for real life, not accountants.
Cards & loans, together
Balances, APRs, due dates, and minimums for every card and loan — in one clean list.
A payoff plan that fits you
Attack the smallest balance first (snowball) or the highest APR (avalanche). Your call.
Never miss a due date
A calendar that highlights what's due, plus a Friday email previewing next week.
Bills & subscriptions
See exactly what's quietly leaving your account every month — and what to cut.
Savings goals
Once debt is handled, set a goal and watch it grow. The finish line feels great.
Coaching, not scolding
Small motivational nudges that keep you going. Progress, not perfection.
Built to help, not to profit.
Getting out of debt shouldn't require a finance degree or an expensive advisor. Skip Clean exists for one reason: to help regular people escape debt and build savings. That's it. That's the business plan.
Kind, not judgmental
You're a person working on something hard — not a red flag in a dashboard. We cheer progress at every size.
Simple, not overwhelming
No forty-tab spreadsheets. A clean screen, plain language, and one clear next step at a time.
Honest, not sneaky
No dark patterns, no data selling, no surprise fees. If something costs money one day, you'll know upfront.
🔒 We can't read your data. Really.
Most budget apps can see everything you type. Skip Clean can't — by design, not by promise.
Your budget is encrypted in your browser before it's ever stored. What sits on our servers is scrambled text that only your password can unlock. We never see your password, your balances, or your spending — and neither can anyone who runs the site.
Forget your password? Your recovery code (shown at signup and emailed to you) is the only way back in. There's no backdoor — not even for us. That's the price of real privacy, and we think it's worth it.
Pricing
Skip Clean is free to use. No trials, no tiers, no catch.
- ✓ Unlimited cards, loans, bills & transactions
- ✓ Debt payoff plans & savings goals
- ✓ Due-date calendar
- ✓ Bank-grade encryption & recovery codes
One day we may charge a small one-time fee to keep the lights on. If that ever happens, you'll know upfront — no surprises, ever.
Love it already? ☕ Buy the builder a coffee — every dollar keeps it free.
Questions, answered.
Is my financial data safe?
Yes. Your data is encrypted in your browser with AES-256-GCM before it's stored, using a key derived from your password. Our servers only ever hold scrambled text. We can't read it, and neither can anyone else without your password.
What happens if I forget my password?
When you sign up, you get a recovery code — shown on screen and emailed to you. Enter it with your email and you can set a new password and re-encrypt your data. Without the code, not even we can get you back in. Keep it somewhere safe.
Do I need to install anything?
No. Skip Clean runs in your browser and works on your phone, tablet, and laptop. Just open the app and sign in.
How much does it cost?
Nothing right now — it's free. If we ever introduce a charge, it'll be a small one-time fee, announced clearly in advance.
Can I delete my account and data?
Anytime. Email hello@skipclean.com from your account email and we'll delete everything — no hoops, no retention tricks.
Ready for a clean slate? 🌱
Join free today. Your future self says thanks.
Questions? Stuck? Just want to say hi?
hello@skipclean.com — a real human reads every email.