What does it mean to track all my finances in one place?

It means connecting every account you use — checking, savings, credit cards, brokerages, retirement accounts, crypto exchanges — so balances, transactions, and holdings all update in one workspace automatically. You stop logging into five apps and start reviewing one.

How do I track spending across multiple bank accounts?

Connect each institution through Plaid's secure flow. Clarity pulls transactions from all of them into a single spending view, auto-categorizes them, and surfaces recurring charges and anomalies across the full account picture — not just one bank.

Is Clarity useful if I mainly want to track spending and net worth — not investing?

Yes. The spending and net worth layers work independently of the investing features. You can connect only your bank accounts and get a clean view of cash, spending, and liabilities without touching portfolio or crypto tools.

How is my data secured?

We never store your login credentials. All connections are read-only and protected by bank-level encryption. We don't sell, share, or monetize your data — you pay for the product, not with your privacy.

How does account linking work?

You connect each institution through Plaid's secure flow. Clarity receives tokenized, read-only access to balances and transactions so your dashboard stays up to date automatically.

Is there a free plan?

Yes. The free tier includes every Clarity workspace tool — Money, Net Worth, and Planning (Goals, Taxes, Insurance, Life Events) — plus crypto exchange connections you bring yourself and manual entry for banks, brokerages, debts, and assets. Pro adds automated bank/brokerage/wallet syncing, OCR, exports, and 100 AI messages per month. Wealth bundles 15 connections, 500 AI messages, AI-assisted tax document review, and concierge onboarding.

Is my bank supported?

We support over 12,000 institutions — virtually every major bank and credit union in the US and Canada.

How much does it cost?

Free to start — no card required. Pro is $24/month or $229/year and covers banks, brokerages, wallets, OCR, and 100 AI messages a month. Wealth is $49/month or $449/year and bundles 15 bank/brokerage connections, 10 wallets, 500 AI messages, and concierge onboarding. Every connection syncs in full automatically — no opt-in toggles.

Can I cancel anytime?

One click in your settings. No hoops, no retention calls. Your data is always exportable. 30-day money-back guarantee if it's not for you.

What can the AI assistant do?

Ask anything about your finances in plain English — "How much did I spend on dining last month?", "What's my biggest recurring expense?", or "Show me subscriptions I haven't used." It searches across all your accounts and gives you instant answers.

For people who check five apps every 15 minutes

Track all your accounts.See everything clearly.

Clarity's read-only dashboard puts every balance, transaction, merchant, and asset in one place. Track your net worth, taxes, and markets from one AI-powered app.

Connect once, everything syncsRead-only3-minute setup

Start Free Trial See How It Works

12,000+ institutions supported

Clarity dashboard showing accounts, net worth, and transactions

Connected context

AI that knows the answer.

Ask about any transaction, merchant, account, or asset. Generic AI knows what a Roth IRA is — it just can't see yours. Clarity reasons from your actual balances, holdings, and history, so every answer is specific to you.

Ask AI

Demo

Sample data. Your AI runs on the accounts you connect.

How am I doing this month?

Answer

You're in great shape! Spending is down 4.8% vs last month, and you're $1,334 under your total budget. Your savings rate is sitting at 32%.

Budget usage by category

Food & Dining$482 / $650

Transport$185 / $400

Shopping$574 / $500

Bills & Utilities$312 / $520

Entertainment$94 / $200

5.0 from verified subscribers

What people stopped doing on Sundays.

“In the first week Clarity flagged $187/month in stale subscriptions I'd missed across two cards. Sunday reconciliation went from 20 minutes across four apps to one screen.”

Marcus T.

Dual-income household, 6 connected accounts

“Clarity caught a 41% tech concentration across my Fidelity and Schwab accounts I hadn't seen. I rebalanced $14k that weekend instead of waiting for my advisor's quarterly check-in.”

Elena R.

Self-directed investor, 9 connected accounts

“We were guessing on a home offer. Clarity showed our real liquid cash, current portfolio, and debt in one place — so we set a $612k budget we actually had the numbers to back.”

Priya K.

Planning a home purchase, 7 connected accounts

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.

Bank-level encryption

TLS in transit, encrypted at rest, and authenticated encryption for any sensitive data we hold.

Leave clean

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

Read the full security overview →

What the AI is reading from

Spending, investments, crypto, and debt — wired into one view.

Every question you ask draws from this. No re-importing CSVs. No reconciling between five tabs. Just the four things that decide what you can actually do this month.

Spending

Every transaction in one feed

Connect your banks and cards. Transactions arrive categorized, subscriptions surface on their own, and recurring charges stay visible without flipping between institutions.

Spending tracker→

Transactions

$8,524

Last 30 days

38 entries

Payroll deposit
Income · Chase ··1184
+$4,820.00
May 6
Airbnb
Travel · Amex ··0044
-$386.00
May 5
a
Aave — USDC supply
DeFi · Ethereum · 0x71…f3a
-$2,500.00
May 4
W
Whole Foods
Groceries · Chase ··9921
-$127.42
May 3
USDT transfer
Crypto · Coinbase
-$1,000.00
May 2
Netflix
Subscriptions · Amex ··0044
-$15.99
May 1

Investments

Every brokerage and 401(k) in one view

Stocks, ETFs, options, bonds, and mutual funds — alongside your 401(k), IRA, HSA, and pension. Holdings-level detail across the accounts you already use.

Net worth→Portfolio tracker→

Holdings

$383,400

+$8,210 today

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

Crypto & DeFi

Wallets, exchanges, and on-chain positions

Major exchanges, self-custody wallets, and DeFi positions across leading networks — priced live and rolled into the same net worth as your bank accounts.

Crypto portfolio→DeFi tracker→

Crypto & DeFi

$145,200

+$6,140 this week

Bitcoin
0.842 BTC · Coinbase
$58,940
+4.2%
Ethereum
12.4 ETH · MetaMask
$42,160
+2.8%
Solana
180 SOL · Phantom
$31,620
+7.1%
Aave · USDC/ETH
DeFi position · Arbitrum
$12,480
APR 8.4%

Real estate & liabilities

What you own and what you owe

Home values, vehicles, and manual assets sit next to mortgages, student loans, auto loans, and credit card balances — so net worth reflects the whole picture.

Debt payoff→

Assets

$650,400

Liabilities

$423,420

Primary home
Zestimate · Austin, TX
$612,000
+$14,200 YoY
2023 Tesla Model Y
KBB trade-in value
$38,400
-$3,100 YoY
Mortgage
Wells Fargo · 6.25%
-$418,600
12 yr remaining
Credit cards
Chase + Amex · 2 cards
-$4,820
Due May 14

Clarity is not a tax or financial advisor. Reports and projections are informational — consult a qualified professional before acting.

3 steps, one current view

Turn the five-app check-in into one current view.

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.

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.

One workspace, always current

Balances, transactions, holdings, and recurring charges stay synced, so the weekly check-in lives in one tab instead of five.

Make the call from current numbers

Prep for taxes, rebalance, pay down debt, or ask the AI what changed — all from the same up-to-date picture.

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.

One workspace, always current

Balances, transactions, holdings, and recurring charges stay synced, so the weekly check-in lives in one tab instead of five.

Make the call from current numbers

Prep for taxes, rebalance, pay down debt, or ask the AI what changed — all from the same up-to-date picture.

Connect your first account

Read-only access · Bank-level encryption · No card required

You probably tried one of these first

Why people leave Monarch, Copilot, and Rocket Money for Clarity.

A 60-second scan of what each tool actually does — so you can stop tab-hopping between reviews and decide.

Feature

Clarity

Monarch

Copilot

Rocket Money

Banks, brokerages, crypto, and DeFi in one view

Partial

Conversational AI that answers from your accounts

Partial

Cost-basis and tax-lot tracking

Partial

One simple price (no tier upsells)

Cancel + delete data in one click

Partial

See full side-by-side comparisons →

Comparisons reflect publicly listed features as of April 2026.

Free for the basics. Pay only for what costs us per call.

Manual tracking and the full planning suite are free forever — no card needed. Pro and Wealth cover banks, brokerages, wallets, and live market data, where the cost actually sits.

Free

The full Clarity workspace, manual entry only. Live here forever.

Forever

Get Started Free

All Clarity tools — Money, Net Worth, and Planning (Goals, Taxes, Insurance, Life Events)
Crypto exchange connections — bring your own read-only API keys
Manual entry — banks, brokerages, debts, and assets
Limited DeFi tracking (via your connected crypto exchanges)
Cached / EOD prices on positions

No card required. No time limit. AI is a paid-tier feature.

What people ask before connecting their first account.

Short, direct answers — the kind you'd want before handing over read-only access.

Connections are read-only and encrypted. Clarity can analyze your data, but it cannot move money. We never sell your data. Privacy Policy

Clarity supports 12,000+ institutions across the US and Canada, including most banks, credit unions, and brokerages. See the full list

Stop refreshing five apps. Use Clarity instead.

Connect once in 3 minutes — read-only, password-free. Then ask Clarity anything about your real money and get an answer that actually knows what's in your accounts.

Start Free Trial See How It Works

Free tier — no card required
Unlimited crypto exchange connections on free
Cancel anytime

Track all your accounts.See everything clearly.

AI that knows the answer.

Ask AI

What people stopped doing on Sundays.

Clarity is a viewer, not a vault.

Read-only by design

We never see your passwords

Bank-level encryption

Leave clean

Spending, investments, crypto, and debt — wired into one view.

Every transaction in one feed

Every brokerage and 401(k) in one view

Wallets, exchanges, and on-chain positions

What you own and what you owe

Turn the five-app check-in into one current view.

Read-only setup, live in 3 minutes

One workspace, always current

Make the call from current numbers

Read-only setup, live in 3 minutes

One workspace, always current

Make the call from current numbers

Why people leave Monarch, Copilot, and Rocket Money for Clarity.

Free for the basics. Pay only for what costs us per call.

What people ask before connecting their first account.

How is my data secured?

Is my bank supported?

Can I cancel anytime?

How does account linking work?

What can the AI assistant do?

What happens to my data if I cancel?

Stop refreshing five apps. Use Clarity instead.