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For households with 10+ accounts

Your money lives in 10 accounts. Your decisions shouldn't.

Banks, brokerages, crypto, on-chain — all reconciled at the lot level. Clarity runs 30+ checks a day and flags only what's worth your time: a drifted allocation, a harvestable loss, a $14.99 subscription you forgot.

30-day money-back guarantee · Cancel anytime

  • Read-only — we can't move money
  • 3-minute setup
  • Free setup call if you get stuck

One workspace, every account

Banks & brokerages via Plaid
12,000+

Banks & brokerages via Plaid

Crypto exchanges
130+

Crypto exchanges

Blockchains
40+

Blockchains

Alt asset categories
10+

Alt asset categories

Three steps, no spreadsheet

From five tabs to one view, in three minutes.

After setup, Clarity keeps balances, activity, and holdings synced across the accounts you already use, so the weekly review starts and ends in one place.

Step 1

Read-only setup, live in 3 minutes

Connect banks, brokerages, exchanges, and wallets through Plaid — Clarity sees balances and transactions, never moves money or stores passwords.

Step 2

See what moved since last week

Spot the $14.99 subscription you forgot, the rent auto-pay that hit early, the position that moved a few thousand — flagged in one feed instead of five tabs.

Step 3

Decide from real lots, not estimates

See $8,920 in harvestable losses, a 70/30 that drifted to 78/22, and the recurring charges you can cancel today — each tied to the underlying lot, position, or merchant.

Connect my accounts

Read-only access · Bank-level encryption · 30-day money-back guarantee

Your money's weekly review

Every check a CFO would run on your money. Running right now.

30+ checks across every account, every day — surfaced as the 2–3 things worth acting on this week.

This week · 3 things worth your attention

Mon 7:00am
  • Tax-loss harvest: $8,920 across 3 positions

    AAPL, COIN, SHOP — 30-day wash-sale window starts today

    Review opportunities

  • Allocation drift: 78% tech (target 70%)

    $14,200 rebalance moves you back to target across taxable + IRA

    See rebalance plan

  • New subscription detected: $14.99/mo

    First charge appeared on Visa ··0044 on Tuesday

    Keep or cancel

Also clear: 27 other checks ran across your accounts. No action needed.

30+ checks running daily

The schema of what a financially-literate person would check — automated against your real accounts.

  • Wash sales about to trigger
  • Tax-loss harvest windows
  • Allocation drift vs target
  • Concentration risk
  • Forgotten subscriptions
  • FBAR / 8938 thresholds
  • Emergency fund threshold
  • Quarterly estimate safe-harbor

+ 22 more — 1099 reconciliation, options 60/40 splits, cost-basis gaps, insurance gaps, recurring anomalies, net-worth milestones, mortgage-rate vs market, and more.

Most members find at least one of these in their first week — a forgotten subscription, a harvestable loss, or an allocation that quietly drifted off target. Your numbers, your accounts, your call to act.

For people with assets outside the broker

The whole balance sheet, not just the liquid part.

Banks, brokerages, retirement, credit cards — like every other finance app. Plus crypto exchanges, on-chain wallets, DeFi positions, and manual entries for your home, vehicles, collectibles, metals, and pre-IPO equity. Every line on the same ledger so the books, the P&L, and the net worth tie out.

12,000+
banks & brokerages
130+
crypto exchanges
40+
blockchains
10+
alt asset classes

What the weekly review covers

Investments, taxes, and the big moves — handled in one place.

Lot-level math, books that stay clean, and plans tied to your real numbers — not a chatbot guess.

Investments

Every account, every lot, every cost basis.

401(k), IRA, brokerage, HSA — reconciled at the lot level across every custodian, with concentration, allocation drift, and household-wide rebalance math. Stocks, ETFs, options (Section 1256 60/40), bonds, and crypto priced live in the same view.

Holdings
$383,400
+$8,210 today
1M
  • Vanguard
    Vanguard Total Market
    VTI · Vanguard 401(k)
    $84,200
    +2.4%
  • Apple Inc.
    AAPL · Fidelity Brokerage
    $42,180
    +1.1%
  • Vanguard
    Vanguard Total Bond
    BND · Schwab IRA
    $28,900
    -0.2%
  • Schwab
    Schwab US Broad Market
    SCHB · Robinhood
    $18,640
    +3.7%
Taxes

Real cost basis. Real wash sales. Real 1099-DA reconciliation.

Cost basis tracked from the moment you buy. When January comes, your 1099-DA reconciles against your books — not the other way around. Form 8949, Schedule D, and Form 6781 render straight from your lots.

Tax preview · 2026
$14,820
Estimated federal due
1099-DA matched
  • Realized gains · long-term
    14 lots across Fidelity, Coinbase
    $22,480
    15% rate
  • Realized gains · short-term
    6 lots · Robinhood, Kraken
    $3,140
    ord. income
  • Harvestable losses
    3 positions underwater
    $8,920
    save ~$1,340
  • 1099-DA reconciliation
    Books match issued forms
    0 mismatches
Life events

Plan the big moves against your actual numbers.

Buying a house, exercising options, leaving a job. Pick a scenario — Clarity crosses the rule (20% down, 30% housing, 6-month reserve, AMT thresholds) against your real accounts and writes the plan as budget rows and savings targets, not a chat suggestion.

Life event
Buy a house
Scenario
Target price$485,000
20% down needed$97,000
From your accounts$72,400
Gap$24,600
At your current $1,840/mo savings rate, you reach the gap in 14 months.
New monthly payment fits inside your 30% housing rule with $420 to spare.

AI is a feature, not the product

Ask anything about your money. Get an answer, not a guess.

The product is the ledger, the lots, and the checks running daily. The chat sits on top — it reads your real lots, basis, and balances, so the answer is your numbers, not a web search.

ClarityAsk AI

What's my cost basis on COIN across every account?

Clarity

You hold 142 shares of COIN across 3 accounts — total basis $18,420.50, unrealized gain +$9,840.10.

AccountQtyBasisLots
Fidelity · Taxable85$11,240.006
Schwab · Roth IRA42$5,180.503
Robinhood15$2,000.002

Reconciled to broker 1099-Bs · 11 lots · ready for Form 8949

The boring answer to the scary question

Clarity is a viewer, not a vault.

If we vanished tomorrow, your money would be exactly where it is now. We never see passwords, never move funds, never sell data.

Read-only by design

Clarity sees balances and transactions. It cannot move money or change account settings.

We never see your passwords

Bank credentials go directly to Plaid through their secure flow. Clarity never receives them.

AES-256 + TLS 1.2+

TLS 1.2+ in transit, AES-256 at rest, and authenticated encryption for any sensitive data we hold.

Full data deletion on cancel

Cancel in a click. Your data is fully deleted within 30 days — no hostage workflows.

Zach, founder of Clarity

Built by

Zach, founder of Clarity

I was juggling five finance apps every Sunday and getting nowhere. Clarity is the read-only workspace I wanted — one current picture across banks, brokerages, and crypto. If you have feedback or a feature request, I read every message.

Side by side

How Clarity stacks up.

Spending trackers and chatbots are fine for a handful of accounts. The difference shows once the count gets past 10 — full balance sheet, lot-level books, checks that run themselves.

CapabilityClarity10+ account householdChatGPT FinancesChat-firstMonarchCouples budgetingOriginAdvisor + appYNABEnvelope budgetingEraAI assistant
Banks & brokerages (Plaid)
Crypto exchanges (130+ via CCXT)
On-chain wallets across 40+ chains
Lot-level cost basis + wash-sale detection
1099-DA & tax-form reconciliation
Manual assets (homes, vehicles, pre-IPO)
Envelope budgeting with rollover
Proactive monitoring (30+ daily checks)
Life-event planner with mutable budget state
AvailableLimitedNot advertised

Comparison reflects publicly available information as of May 2026. Third-party feature sets change frequently — verify on each provider's site before purchase. Trademarks and product names are property of their respective owners; Clarity is not affiliated with or endorsed by any third party shown.

One product. Two sizes. 30-day money-back.

Pro for one person with 10+ accounts. Household for 25+ accounts across multiple holders. Full refund inside 30 days, no questions.

Most popular

Clarity Pro

For one person with 10+ financial accounts — one full balance sheet.

$19/mo$24

$229/yr · billed annually

Choose Pro

Less than the Adobe subscription you forgot to cancel. The average member finds nine.

30-day money-back guarantee

Can't link your accounts in 15 minutes? Book a free setup call and we'll do it with you.

  • 5 bank/brokerage + 5 wallet connections
  • Unlimited crypto exchange connections (CCXT)
  • AI assistant covers daily check-ins
  • 1099/W-2 OCR + tax document parsing
  • Exports & reports (PDF + CSV)
  • All planning, tax, retirement, and budgeting tools

Clarity Household

For households with 25+ accounts across multiple account holders.

$37/mo$49

$449/yr · billed annually

Choose Household

A fraction of one hour with a fee-only advisor — and it runs every day, not once a quarter.

30-day money-back guarantee

Can't link your accounts in 15 minutes? Book a free setup call and we'll do it with you.

  • 15 bank/brokerage + 10 wallets
  • AI assistant for active multi-account households
  • Priority support
  • Everything in Pro
See full comparison
FeaturePro · $19/moHousehold · $37/mo
Banks & brokerages5 included15 included
Crypto wallets5 included10 included
Crypto exchangesUnlimited (CCXT)Unlimited (CCXT)
AI messages / month100 (≈ daily check-ins)500 (multi-user households)
Tax doc parsing (1099/W-2)YesYes
Exports (PDF + CSV)YesYes
Planning, tax, retirement toolsAll includedAll included
Read-only connections · 30-day money-back guarantee · Cancel anytime
Add-ons and overage pricing

Who this is for, what makes it different, what it costs.

Straight answers on who Clarity serves, how it differs from ChatGPT and the rest of the personal-finance category, and the details you'd scan before approving access.

People whose money has outgrown a spreadsheet but still want the math to actually reconcile. If you have five or more financial apps, plus a couple of crypto exchanges or wallets, plus an old 401(k) or two, that's the buyer. Mint and Monarch handle 3–5 accounts. Clarity is the workspace when you want every account on one ledger and real analytical depth on top. Workspace tour.

Those are spending trackers — fine if your money fits in 3–5 accounts. Clarity is the workspace once it doesn't: full balance sheet (banks, brokerages, retirement, crypto, on-chain, manual assets), lot-level books, 30+ checks running daily in the background — the kind of math a fee-only advisor would charge you to run. Spending tracking is one tab; rebalancing, harvests, and tax math are the others. Side-by-side comparisons · alternatives by category.

Not ready to subscribe yet?

Get the 3-email teardown of where most people leak money.

Forgotten subscriptions, drifted allocations, missed tax-loss harvests — the exact checks you can run on your own accounts, no signup required.

Three emails, then we stop. No drip funnel.

Try it 30 days. If it doesn't earn its keep, we refund you.

Connect your accounts once. Clarity runs the operation in the background — 30+ daily checks across every account, wash sales, harvests, allocation drift, forgotten subscriptions, missed employer match — and every week brings you the 2–3 moves worth making. Email us anytime in the first 30 days and we refund in full, no retention call.

30-day money-back guarantee · Unlimited crypto exchange connections · Cancel anytime