For households with 10+ accounts
Your money lives in 10 accounts. Your decisions shouldn't.
Every account, every transaction, every merchant — each gets its own page, its own analysis, all connected in one workspace. Monitor your portfolio, audit your activity, plan the big moves — with AI chat that reads your real numbers.
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+
- Crypto exchanges
- 130+
- Blockchains
- 40+
- Alt asset categories
- 10+
Banks & brokerages via Plaid
Crypto exchanges
Blockchains
Alt asset categories
Three steps, no spreadsheet
From five tabs to one view, in three minutes.
Balances, activity, and holdings stay synced — the weekly review starts and ends in one place.
Read-only setup, live in 3 minutes
Connect banks, brokerages, exchanges, and wallets through Plaid. Clarity sees balances and transactions — never moves money, never stores passwords.
See what moved since last week
The forgotten $14.99 subscription, the rent that hit early, the position that moved a few thousand — one feed, not five tabs.
Decide from real lots, not estimates
$8,920 in harvestable losses, a duplicate $89.40 charge, subscriptions to cancel today — each tied to the underlying lot or merchant.
Read-only setup, live in 3 minutes
Connect banks, brokerages, exchanges, and wallets through Plaid. Clarity sees balances and transactions — never moves money, never stores passwords.
See what moved since last week
The forgotten $14.99 subscription, the rent that hit early, the position that moved a few thousand — one feed, not five tabs.
Decide from real lots, not estimates
$8,920 in harvestable losses, a duplicate $89.40 charge, subscriptions to cancel today — each tied to the underlying lot or merchant.
Read-only access · Bank-level encryption · 30-day money-back guarantee
Audit your activity
Every charge, every spike, every new subscription — audited daily.
Clarity scans each connected account daily and surfaces the 2–3 things worth your attention.
This week
Mon 7:00am- 01
Duplicate charge: $89.40 at the same merchant, same day
Two identical charges from Acme on Visa ··0044 on Tuesday
Review charge →
- 02
Dining is 2.3× your normal week
$612 so far vs. a $260 weekly baseline across last 8 weeks
See the transactions →
- 03
New subscription detected: $14.99/mo
First charge appeared on Visa ··0044 on Tuesday
Keep or cancel →
The rest of your accounts came back clean.
Daily checks
Each day's activity is compared against your own baseline. We flag the things that don't fit.
- Duplicate charges
- Category spending spikes
- Merchant spending spikes
- New recurring subscriptions
Recurring price changes, missing-data gaps, and net-worth milestones are on the roadmap.
Most members surface at least one in their first week.
For people with assets outside the broker
The whole balance sheet, not just the liquid part.
Banks, brokerages, retirement, credit cards — plus crypto exchanges, on-chain wallets, DeFi, and manual entries for homes, vehicles, collectibles, metals, and pre-IPO equity. One ledger.
- 12,000+
- banks & brokerages
- 130+
- crypto exchanges
- 40+
- blockchains
- 10+
- alt asset classes
Three pillars, one workspace
Monitor. Audit. Plan.
Real dashboards, lot-level books, and plans tied to your actual accounts — the breadth and depth to cover every line on your balance sheet.
Every account, every lot, every cost basis.
401(k), IRA, brokerage, HSA — reconciled at the lot level across every custodian. Stocks, ETFs, options, bonds, and crypto priced live, with concentration warnings across accounts.
Vanguard Total MarketVTI · Vanguard 401(k)$84,200+2.4%- Apple Inc.AAPL · Fidelity Brokerage$42,180+1.1%
- Vanguard Total BondBND · Schwab IRA$28,900-0.2%
Schwab US Broad MarketSCHB · Robinhood$18,640+3.7%
Real cost basis. Real wash sales. Real 1099-DA reconciliation.
Cost basis tracked from purchase. Form 8949, Schedule D, and Form 6781 render straight from your lots — and your 1099-DA reconciles against your books, not the other way around.
- Realized gains · long-term14 lots across Fidelity, Coinbase$22,48015% rate
- Realized gains · short-term6 lots · Robinhood, Kraken$3,140ord. income
- Harvestable losses3 positions underwater$8,920save ~$1,340
- 1099-DA reconciliationBooks match issued forms✓0 mismatches
Plan the big moves against your actual numbers.
Buying a house, exercising options, leaving a job. Pick a scenario — Clarity crosses the rule against your real accounts and writes the plan as budget rows and savings targets, not a chat suggestion.
AI is a feature, not the product
Ask anything about your money. Get an answer, not a guess.
The product is the ledger. The chat sits on top and reads your real lots, basis, and balances — so the answer is your numbers, not a web search.
Ask AI
What's my cost basis on COIN across every account?
You hold 142 shares of COIN across 3 accounts — total basis $18,420.50, unrealized gain +$9,840.10.
| Account | Qty | Basis | Lots |
|---|---|---|---|
| Fidelity · Taxable | 85 | $11,240 | 6 |
| Schwab · Roth IRA | 42 | $5,180 | 3 |
| Robinhood | 15 | $2,000 | 2 |
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.
Side by side
How Clarity stacks up.
Spending trackers are fine for a handful of accounts. Past 10, you need the full balance sheet, lot-level books, and checks that run themselves.
Banks & brokerages (Plaid)
- Clarity
- ChatGPT Finances
- Monarch
- Origin
- YNAB
- Era
Crypto exchanges (130+ via CCXT)
- Clarity
- ChatGPT Finances
- Monarch
- Origin
- YNAB
- Era
On-chain wallets across 40+ chains
- Clarity
- ChatGPT Finances
- Monarch
- Origin
- YNAB
- Era
Lot-level cost basis + wash-sale detection
- Clarity
- ChatGPT Finances
- Monarch
- OriginPartial
- YNAB
- Era
1099-DA & tax-form reconciliation
- Clarity
- ChatGPT Finances
- Monarch
- Origin
- YNAB
- Era
Manual assets (homes, vehicles, pre-IPO)
- Clarity
- ChatGPT Finances
- MonarchPartial
- OriginPartial
- YNAB
- Era
Envelope budgeting with rollover
- Clarity
- ChatGPT Finances
- Monarch
- Origin
- YNAB
- Era
Daily anomaly monitoring across every account
- Clarity
- ChatGPT Finances
- Monarch
- OriginPartial
- YNAB
- EraPartial
Life-event planner with mutable budget state
- Clarity
- ChatGPT Finances
- Monarch
- OriginPartial
- YNAB
- Era
| Capability | Clarity | ChatGPT Finances | Monarch | Origin | YNAB | Era |
|---|---|---|---|---|---|---|
| Banks & brokerages (Plaid) | ||||||
| Crypto exchanges (130+ via CCXT) | ||||||
| On-chain wallets across 40+ chains | ||||||
| Lot-level cost basis + wash-sale detection | Partial | |||||
| 1099-DA & tax-form reconciliation | ||||||
| Manual assets (homes, vehicles, pre-IPO) | Partial | Partial | ||||
| Envelope budgeting with rollover | ||||||
| Daily anomaly monitoring across every account | Partial | Partial | ||||
| Life-event planner with mutable budget state | Partial |
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. Wealth for households with 25+ accounts across multiple holders. Full refund inside 30 days, no questions.
Clarity Pro
For one person with 10+ financial accounts — one full balance sheet.
$179/yr · billed annually
- 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 Wealth
For households with 25+ accounts across multiple account holders.
$349/yr · billed annually
- 15 bank/brokerage + 10 wallets
- AI assistant for active multi-account households
- Priority support
- Everything in Pro
See full comparison
| Feature | Pro · $15/mo | Wealth · $29/mo |
|---|---|---|
| Banks & brokerages | 5 included | 15 included |
| Crypto wallets | 5 included | 10 included |
| Crypto exchanges | Unlimited (CCXT) | Unlimited (CCXT) |
| AI messages / month | 200 (≈ daily check-ins) | 800 (multi-user households) |
| Tax doc parsing (1099/W-2) | Yes | Yes |
| Exports (PDF + CSV) | Yes | Yes |
| Planning, tax, retirement tools | All included | All included |
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, and daily anomaly checks across every account in the background. Spending tracking is one tab; the full balance sheet is the rest. Side-by-side comparisons · alternatives by category.
The 3-email breakdown of where most people lose money.
Forgotten subscriptions, drifted allocations, missed tax-loss harvests — 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 once. Clarity runs daily checks in the background and brings you the 2–3 moves worth making each week. Email us in the first 30 days for a full refund — no retention call.
30-day money-back guarantee · Unlimited crypto exchange connections · Cancel anytime