The founder story
About ClearTill and its founder Gavin Ferns
ClearTill was created around one simple question:
“How much of the money in my account is actually available after the bills due before my next income date?”
Most people usually know their approximate bank balance. The harder problem is understanding what remains after bills, committed costs and amounts they want to protect.
A clear position
What ClearTill makes simpler
ClearTill brings the figures that matter into one forward-looking view. It is designed for people who prefer to enter and control their own information rather than connect their financial accounts.
Users do not need to connect a bank account, provide bank-login credentials or use Open Banking.
- Update a current balance.
- Maintain a list of bills and committed costs.
- Enter the next income date.
- See what remains before that date.
- View a rough daily pacing figure where appropriate.
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About Gavin Ferns
ClearTill was founded by Gavin Ferns, a project and commercial professional with a background in construction, infrastructure, commercial management and financial management.
Gavin has worked across major UK rail and construction programmes, where budgets, commitments, forecasts and changing financial positions form part of everyday decision-making. He also holds an Executive MBA from Imperial College Business School and has a longstanding interest in innovation, technology and practical problem-solving.
ClearTill applies that experience to a personal cashflow problem: understanding what is genuinely left after the costs that need to be covered.
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From complex projects to simple products
Gavin is also an independent product builder who uses modern AI-assisted development tools to turn ideas into working digital products.
Before ClearTill, he launched TalosTV and SetTheDate. ClearTill is his third independently developed software product.
The objective is not to create another complicated budgeting system. It is to make one important calculation understandable and useful.
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Outside ClearTill
Outside work and product development, Gavin has two degrees, owns a campervan and has a strong interest in adventure travel and motorcycling.
Product principles
Why ClearTill is different
- Clarity over complexity.One useful answer without turning everyday cashflow into a complicated budgeting system.
- User control over automatic account access.You choose the information to enter and when to update it.
- Forward planning.The focus is on costs still to come, rather than only analysing historic transactions.
- Clear distinctions.Current balance, protected costs, future income, clear-to-spend amount and possible shortfall are kept separate.
Company information
ClearTill
ClearTill is operated by GMBF Ventures Ltd.
Company number: 17286832.
Official website: https://www.cleartill.money
Support email: hello@cleartill.money
ClearTill is not a bank, lender or financial adviser and does not provide personalised financial advice. Its results are estimates based on the information you provide.