Clausebook: Contracts & Loans

Clausebook is a private binder for the commitments in your life: loans, credit
cards, insurance policies, subscriptions, utility plans, promotions and
investments. File each one with its amount, kind, due or renewal date, a note
and an optional photo of the contract, then see all of them on one horizon.

HORIZON
• A 12-month timeline, this month at the top, with every entry that ends,
renews or falls due in each month shown as a colored tag
• Monthly burden: all active commitments normalised to one monthly figure —
subscriptions as they are, insurance divided by twelve, loans by their
monthly payment — with a gauge showing how much of it still runs in a year
• Tap a month to list what lands there; tap a tag to open the entry

BINDER
• Entries grouped under colored tabs by kind, with favorites, search, filters
and sorting
• Swipe to archive, restore any time; archived entries drop out of the burden
• Each entry page shows the facts first: amount, monthly equivalent, due date,
days left, rate and term, notes — then the photo

WORKBENCH
• Loan calculator: monthly payment, total interest, total repaid and a
year-by-year table
• Early repayment simulator: add an extra monthly amount and/or a one-off lump
sum at a chosen payment and see the interest saved, the months cut and the
new payoff date next to the original schedule — start from any saved loan
• Compare two offers: A against B with a plain verdict on which costs less
• Cancel what?: tick subscriptions and utility plans to see the monthly and
yearly saving and your new burden
• Insights: split by kind and burden over the next 12 months
• Reports: export a PDF summary or a CSV table and hand it to any app

REMINDERS
• Optional notification at 09:00 the day before an entry is due
• Optional Monday-morning review nudge
• Both are off until you switch them on

PRIVATE BY DESIGN
Clausebook works fully offline. There is no account, no sign-in, no cloud,
no analytics, no ads and no in-app purchases. Everything you enter stays on
your device, and photos never leave it.

The calculators are planning estimates that assume equal monthly payments
and no fees; a lender's figures may differ. Clausebook does not offer,
recommend or broker financial products and is not financial advice.