For people who've outgrown Monarch, ChatGPT, and a spreadsheet.
Your money lives in 10 accounts. Your decisions shouldn't.
See every bank, brokerage, crypto exchange, and on-chain wallet on one balance sheet — 12,000+ institutions, 130+ exchanges, 40+ chains. Lot-level cost basis, recurring charges caught before they renew, and an AI that cites every answer to a real transaction.
$1 for 7 days, then $19/mo or $179/yr. Cancel anytime — and a 30-day money-back guarantee on the first full charge if Clarity isn't for you.
A workspace that answers back
See everything. Reconcile everything. Ask anything.
Every charge, every account, in one feed.
Spending, recurring charges, and cash flow across every bank, card, exchange, and on-chain wallet. Anomalies and price hikes flagged before you have to go looking.
Lot-level books. 1099-DA matched against yours.
Cost basis tracked from purchase across every custodian, exchange, and wallet. Form 8949, Schedule D, and Form 6781 render from your lots — and your 1099-DA reconciles against your books, not the other way around.
An answer with the transactions behind it.
Clarity answers across crypto, on-chain wallets, and manual assets ChatGPT Finances can't reach — and runs the lot-level math behind every number.
Side by side
Everything they do. Plus the math nobody else does.
Spending trackers cover a few cards. ChatGPT Finances covers what Plaid sees. Clarity covers everything — Plaid plus 130+ crypto exchanges and 40+ blockchains — and runs the lot-level math, daily monitoring, and cited answers the others skip.
On-chain wallets across 40+ chains
- Clarity
Not advertised by 6 others.
Crypto exchanges (130+ via CCXT)
- Clarity
Not advertised by 6 others.
Lot-level cost basis + wash-sale detection
- Clarity
- OriginPartial
- EmpowerPartial
Not advertised by 4 others.
1099-DA & tax-form reconciliation
- Clarity
Not advertised by 6 others.
Citations on every AI answer (linked to source transactions)
- Clarity
Not advertised by 6 others.
Manual assets (homes, vehicles, pre-IPO)
- Clarity
- MonarchPartial
- OriginPartial
- EmpowerPartial
Not advertised by 3 others.
Daily anomaly monitoring across every account
- Clarity
- OriginPartial
- EraPartial
Not advertised by 4 others.
Life-event planner with mutable budget state
- Clarity
- OriginPartial
- EmpowerPartial
Not advertised by 4 others.
AI chat grounded in your real accounts
- Clarity
- ChatGPT Finances
- MonarchPartial
- OriginPartial
- EraPartial
Not advertised by 2 others.
Envelope budgeting with rollover
- Clarity
- YNAB
Not advertised by 5 others.
Banks & brokerages (Plaid)
- Clarity
- ChatGPT Finances
- Monarch
- Origin
- YNAB
- Era
- Empower
| Capability | Clarity | ChatGPT Finances | Monarch | Origin | YNAB | Era | Empower |
|---|---|---|---|---|---|---|---|
| On-chain wallets across 40+ chains | |||||||
| Crypto exchanges (130+ via CCXT) | |||||||
| Lot-level cost basis + wash-sale detection | Partial | Partial | |||||
| 1099-DA & tax-form reconciliation | |||||||
| Citations on every AI answer (linked to source transactions) | |||||||
| Manual assets (homes, vehicles, pre-IPO) | Partial | Partial | Partial | ||||
| Daily anomaly monitoring across every account | Partial | Partial | |||||
| Life-event planner with mutable budget state | Partial | Partial | |||||
| AI chat grounded in your real accounts | Partial | Partial | Partial | ||||
| Envelope budgeting with rollover | |||||||
| Banks & brokerages (Plaid) |
$1 for 7 days, then $19/mo or $179/yr · 30-day money-back guarantee
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.
Clarity is a viewer, not a vault.
Full security overviewRead-only by design
Clarity sees balances and transactions. It cannot move money.
Credentials go to Plaid
Your passwords never touch our servers — Plaid's secure connection flow.
AES-256 + TLS 1.2+
Encrypted in transit and at rest. Authenticated encryption throughout.
Deletion you control
Disconnect a bank or wallet — purged instantly. Delete your account — everything clears within 30 days.
From the founder
I had five finance apps, two crypto exchanges, and a 12-tab spreadsheet — and still couldn’t answer one question: how much do I actually have? So I built Clarity.
Every bank, brokerage, and wallet on one ledger, with math that holds up to your CPA. If it doesn’t earn its keep, email me inside 30 days for a full refund — no retention call.
Zach Roth
Founder of Clarity
Priced like software. Not a percentage of your portfolio.
Clarity works best when it becomes part of your monthly operating rhythm: check net worth, catch recurring spend, answer cross-account questions, and export what you need without opening five tools.
If you are comparing against percentage-of-assets pricing, a 1% AUM advisor on a $500,000 portfolio runs about $5,000 a year. Clarity Wealth is a flat $349 — but Clarity is read-only software, not a like-for-like advisor replacement.
Good fit
- You want one weekly place to review net worth, recurring spending, taxes, and portfolio questions.
- You have multiple accounts across banks, brokerages, exchanges, or wallets and want them in one ledger.
- You will actually use exports, AI Q&A, tax docs, or recurring-charge detection during the month.
Not the right fit
- You want a free dashboard and do not plan to use the product after initial setup.
- You expect Clarity to move money, manage a portfolio, or replace a human advisor.
- You need every bank transaction to update in real time instead of working within normal Plaid refresh windows.
Clarity Pro
For one person consolidating a personal stack into one balance sheet.
Start for $1 · 7 days
$19/mo billed monthly — or $15/mo on annual
Start with the bundled connections. Need more? +$2/mo per extra bank, +$1/mo per extra wallet.
$1 for 7 days, then $19/mo or $179/yr. Cancel anytime.
- One weekly workspace for cash flow, net worth, taxes, and portfolio questions
- 5 banks/brokerages + 5 wallets + unlimited crypto exchanges (CCXT) in one ledger
- 200 AI chat messages/mo — ask questions against your synced accounts with citations
- Recurring charge detection, 1099/W-2 OCR, and tax document parsing
- PDF + CSV exports, 30-min priority sync, and manual entries for non-connectable assets
Clarity Wealth
For households running accounts across multiple holders.
$37/mo billed monthly — or $29/mo on annual
Start with the bundled connections. Need more? +$2/mo per extra bank, +$1/mo per extra wallet.
Use it for 30 days. If it does not earn its keep, get a full refund.
- Everything in Pro, sized for a household or more complex multi-holder setup
- 15 banks/brokerages + 10 wallets — room for households, trusts, and account sprawl
- 800 AI chat messages/mo — 4× Pro for ongoing household review and what-if questions
- One workspace with a household-wide view of every account, not a pile of disconnected logins
What the first 30 days should look like
Most people know inside the first week whether Clarity will stick. The product should replace account-hopping, surface something useful in your recurring spending, and give you better answers than a spreadsheet can.
- Connect your main accounts.
- Review recurring charges and recent cash flow.
- Ask 3-5 questions in AI across synced accounts.
- Export once if you use Clarity for tax or reporting work.
Expectations
- Banks and brokerages follow Plaid refresh windows. Crypto exchanges and wallets can refresh much closer to real time.
- Clarity is read-only. It helps you see and analyze your money; it does not move money or manage a portfolio.
- If bundled connections are enough, your bill stays simple. Add-ons are only there for account-heavy setups.
See full comparisonHide full comparison
| Feature | Pro · $19/mo | Wealth · $37/mo |
|---|---|---|
| Banks & brokerages | 5 included, then +$2/mo each | 15 included, then +$2/mo each |
| Crypto wallets | 5 included, then +$1/mo each | 10 included, then +$1/mo each |
| Crypto exchanges | Unlimited (CCXT) | Unlimited (CCXT) |
| AI chat messages / month | 200 | 800 (4× Pro) |
| Sync cadence | 30-min priority sync | 30-min priority sync |
| Tax doc parsing (1099/W-2) | Yes | Yes |
| Exports (PDF + CSV) | Yes | Yes |
| Planning, tax, retirement, budgeting | All included | All included |
| 30-day money-back guarantee | Yes | Yes |
Who this is for, what makes it different, what it costs.
Straight answers on who Clarity serves, how it differs from ChatGPT, and the details you'd scan before approving access.
If your money has outgrown a spreadsheet but you still want the math to actually reconcile, this is built for you. Five or more financial apps, a couple of crypto exchanges or wallets, an old 401(k) or two — that's the point where Monarch, Copilot, and the rest of the spending trackers stop keeping up. Clarity is where every one of your accounts lands on a single ledger with real analytical depth on top. Workspace tour.
Because every account and every lot already sit on the same ledger, the tax math is a byproduct, not a separate product. Lot-level cost basis tracked from the moment you buy, across brokerages, exchanges, and 40+ chains. Wash-sale detection across every venue your broker can't see. 1099-DA reconciliation that flags errors before you file. Form 8949, Schedule D, and Form 6781 print from your books. Keep your CPA — they'll be working from clean books instead of a 12-tab spreadsheet. Compare side by side.
Stop opening five apps to answer one question.
Connect once. Clarity runs daily checks in the background and brings you the 2–3 moves worth making each week.
30-day money-back guarantee · Unlimited crypto exchange connections · Cancel anytime
Not ready to commit? Try the interactive demo — no account needed.