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TRUST
How scoring works
A calm check from numbers you enter — not judgment, not bank sync.
Step 1 of 3
Check a purchase
Set your numbers on Check, then enter what you are thinking of buying.
How scoring works — visual overview
Not budgeting. Not approval. A calm pause before spending.
Checks always use amounts in your home currency (what you type in guardrails and on the check form). If Settings shows another display currency, live rates convert labels only — they never change CLEAR, CAUTION, or PAUSE.
What you get after a check
- Supporting score (0–100) — additional context derived from the information entered for this purchase. Higher values indicate that the modeled purchase impact is larger relative to the information provided.
- Trace — expandable steps tied to your numbers.
How the check is built
- Weekly room looks at how large this purchase feels against the numbers you entered.
- Money cushion may consider the optional cushion you provide for this check.
- Priorities and repeat notes reflect only what you turn on in this app.
- Category is only one input among several factors and does not independently determine a result.
Smart Scan & Category Intake (optional)
Smart Scan (free trial) on Purchase check reads a barcode or price tag in your browser environment only. Category Intake lets you total items across any spend category before one check — you confirm every line. Purchase-check information and Category Intake line items are processed locally in your browser environment during normal operation and are not uploaded to Bacenik servers. The full breakdown stays free.
Barcode scanning works best in Chrome and Safari. Standard boxed UPCs identify the product, not shelf price — use price-tag scan or enter the amount manually.
Optional trip tax: optional sales tax rate for your intake session in your browser environment only—not a receipt and not tax advice.
DebtPath
DebtPath is SpendClear's constraint-safe repayment-path engine: protect solvency, cover required payments, then allocate extra cash by simulated economic cost—not snowball or avalanche ranking. Recommendations include a Decision Receipt (why this amount, why this debt, next-best alternative). It does not move money or change Purchase Check scores.
Separate from Premium Nigeria / Debt Exit. Complimentary for now; DebtPath Pro (Stripe web checkout) may be required later. Not included in SpendClear Plus early access alone.
Open DebtPathNIGERIA
How Debt Exit Nigeria works
A local-first planning flow — map obligations, protect essentials, pick one next step. Not lending, not debt settlement.
1. Map what you owe
Add formal loans, digital lenders, informal debts, cooperatives, and utilities in plain language. Unknown amounts stay unknown.
2. Stability gate (SRC)
Estimate safe repayment room after essentials. Weekly pay and variable income use conservative planning. SRC ≤ 0 → Stabilize mode (no extra repayment push).
3. One next target
A rules-based priority picks one debt — arrears first, then cost and Nigeria-specific signals (informal urgency, APR, FX naira planning).
4. Weekly check-in & recovery
Track what changed, hold extra payments after disruption, and optionally hand off to Purchase Check before spending.
What Debt Exit never does
- Disburse loans or contact lenders
- Guarantee a debt-free date
- Upload your debt map to Bacenik servers (MVP)
- Replace financial advice — you choose what to do
Debt worksheet data stays on your device unless you export it. Premium Nigeria subscription status is stored for sign-in and entitlement only.
Workspace routes require sign-in. Debt Exit is Nigeria-focused. Privacy
What we never do
Guidance only. Not financial advice. SpendClear explains the check. You make the decision.
- Call a purchase “approved” or “safe to buy”
- Make decisions for you or replace your independent judgment
- Score your creditworthiness or personality
- Upload guardrails or history without your export action
- Change thresholds based on ads, affiliates, or engagement tricks
Questions about how SpendClear handles information? See Privacy.