Your money lives everywhere. Clarity puts it in one spot.
Connect every account — banks, brokerages, crypto, wallets. See it all, ask anything, plan ahead. Read-only.
$1 for 7 days, then $19/mo. Cancel anytime · 30-day refund.
The system that has the answers
See everything. Ask anything. Stay tax-ready.
Every charge, every account, in one feed.
Every bank, card, exchange, and wallet in one feed. Price hikes and anomalies flagged before you go looking.
Tax-ready books for every account.
Cost basis tracked across every brokerage, exchange, and wallet. 8949, Schedule D, 6781 ready in April — and your 1099 matches.
An answer with the transactions behind it.
Answers across crypto, wallets, and manual assets ChatGPT can't reach — with the transactions behind every number.
Life-event playbooks
A playbook for every life event.
Tell Clarity what's happening. We'll watch the deadlines and nudge you when something needs you.
Active playbook
Starting a new job — Acme Corp
Day 3 · 2/5
Next move
Set your 401(k) to 17% — that gets you to the yearly cap without overshooting.
in 4d
Connect your new payroll account
Confirm your benefits enrollment date
May 30
Pick a 401(k) contribution rate
in 4d
Decide what to do with your old 401(k)
in 14d
First paycheck — Clarity will check it lands
Background watchers
A few things on the horizon
Next 60 days
Netflix went up to $17.99
BillHeads-up before it charges
today
Your next RSU vest
Vest84 shares — set some aside for taxes
in 5d
Car insurance renews soon
RenewalGeico — $1,184 for the next 6 months
in 28d
Property tax appeal window
DeadlineCloses in about 6 weeks
in 47d
- 01
Starting a new job
~30-day enrollment window~30-day enrollment window401(k) cap across employers, RSU vest under-withholding, ISO AMT clock, HSA & ESPP windows.
- 02
Buying a house
Post-close clock from day of signingPost-close clock from day of signingWire watch, PMI removal window, homestead exemption deadline, property-tax appeal window.
- 03
Exercising stock options
AMT on a calendar-year clockAMT on a calendar-year clockISO AMT modeling against actual income, 1-year LTCG clock, 2-year ISO clock, 83(b) window.
- 04
Receiving an inheritance
Stepped-up basis windowStepped-up basis windowBasis tracking from day of inheritance, inherited-IRA RMD rules, estate-tax deadlines.
- 05
Expecting a baby
30-day dependent-add window30-day dependent-add windowHealth-plan dependent deadline, dependent-care FSA, 529 setup with the right beneficiary.
- 06
And six more
Married · Retiring · Business · School · Selling · LeavingMarried · Retiring · Business · School · Selling · LeavingEvery life event Clarity covers has its own playbook with its own deadlines and watchers.
$1 for 7 days · 30-day money-back guarantee · Cancel anytime
Side by side
How Clarity compares.
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
Publicly available info as of May 2026. Verify on each provider's site. Trademarks belong to their owners; Clarity is not affiliated with 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
Passwords never touch our servers. Plaid handles every connection.
AES-256 + TLS 1.2+
Encrypted in transit and at rest. Authenticated encryption throughout.
Deletion you control
Disconnect an account — purged instantly. Delete everything — gone in 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 account on one ledger, with math your CPA trusts. If it doesn’t earn its keep, email me in 30 days for a full refund — no retention call.
Zach Roth
Founder of Clarity
Priced like software. Not a percentage of your portfolio.
One workspace for net worth, recurring spend, cross-account questions, and exports — instead of five tools.
Good fit
- You want one weekly place for net worth, spending, taxes, and portfolio questions.
- You have accounts across banks, brokerages, exchanges, and wallets.
- You'll actually use AI Q&A, exports, or tax docs each month.
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 workspace: cash flow, net worth, taxes, portfolio
- 5 banks/brokerages + 5 wallets + unlimited crypto exchanges (CCXT)
- 200 AI messages/mo with cited transactions
- Recurring-charge detection · 1099 / W-2 OCR
- PDF + CSV exports · 30-min sync · manual entries
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 households and multi-holder setups
- 15 banks/brokerages + 10 wallets — room for trusts and account sprawl
- 800 AI messages/mo — 4× Pro
- Household-wide view of every account
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 — who it's for, how it beats ChatGPT, what you're approving.
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.
One app. Every account. Every answer.
Connect once. Clarity surfaces the answers, the deadlines, and the 2–3 moves worth making this week.
30-day money-back guarantee · Unlimited crypto exchange connections · Cancel anytime
Not ready to commit? Try the interactive demo — no account needed.