What about taxes? Do I still need CoinTracker or a CPA?

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: https://useclarity.app/compare.

How is my data secured?

Read-only access — we can see balances and transactions but can't move money or see your bank password. Encrypted in transit (TLS 1.2+) and at rest (AES-256). AI queries run under OpenAI and Anthropic business terms, which exclude your data from model training. Security overview: https://useclarity.app/legal/security. Privacy Policy: https://useclarity.app/legal/privacy.

How much does it cost?

Pro is $19/mo or $179/yr (5 banks/brokers + 5 wallets, 200 AI msgs). Wealth is $37/mo or $349/yr (15 + 10, 800 AI msgs). Annual saves ~24%. Every plan ships with a 30-day money-back guarantee. Compare plans: https://useclarity.app/pricing.

Can I cancel anytime?

Yes — from Settings, effective end of the billing period. New subscribers get a 30-day money-back guarantee — email us within 30 days of your first paid charge and we refund in full, no retention call. Full refund policy: https://useclarity.app/legal/terms.

Is there a free plan or free trial?

No — Clarity is paid only (Pro and Wealth). Instead of a free trial, every new subscription ships with a 30-day money-back guarantee: try the real product, and if it doesn't earn its keep, email us within 30 days for a full refund. See all tiers: https://useclarity.app/pricing.

Does the AI actually see my accounts, or is it just ChatGPT?

It sees only the slice of your accounts each question needs. Under OpenAI's business terms, your data isn't used for training. 200 msgs/mo on Pro, 800 on Wealth. How the AI works: https://useclarity.app/product/ai.

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.

See a sample portfolio Connect my accounts

Read-only — we can't move money
3-minute setup
30-day money-back guarantee

Built by Zach, formerly juggling five finance apps every Sunday — now the workspace I wanted instead.

Overview

Connect

Net worth

$152.4k

30d flow

$3k

Runway

183d

Jan 28Apr 28

Allocation

Investment$95.6k+52%
Other$34.5k+19%
Cash$33.2k+18%
Wallet$13.6k+7%
Crypto$7.0k+4%

Liquidity

Cash$33.2k
Credit$41.8k
Net$30k

Obligations

Recurring (8)($1.5k)
Card debt($3.2k)
Utilization7%

Banks & brokerages: 12,000+
Crypto exchanges: 130+
Blockchains: 40+
Alt asset classes: 10+

Clarity is a viewer, not a vault.

Full security overview →

Read-only by design

Clarity sees balances and transactions. It cannot move money.

Credentials go to Plaid

Your passwords never touch our servers — bank-grade flow.

AES-256 + TLS 1.2+

Encrypted in transit and at rest. Authenticated encryption throughout.

Full deletion on cancel

Cancel in a click. All data deleted within 30 days — no retention call.

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.

Monitor · Portfolio

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.

Portfolio tracker→401(k) tracker→Crypto portfolio→

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%

Audit · Taxes

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.

Crypto tax tracker→Tax planning→

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

Plan · 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 against your real accounts and writes the plan as budget rows and savings targets, not a chat suggestion.

Debt payoff→Retirement→

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.

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
Origin
Partial
YNAB
Era

1099-DA & tax-form reconciliation

Clarity
ChatGPT Finances
Monarch
Origin
YNAB
Era

Manual assets (homes, vehicles, pre-IPO)

Clarity
ChatGPT Finances
Monarch
Partial
Origin
Partial
YNAB
Era

Envelope budgeting with rollover

Clarity
ChatGPT Finances
Monarch
Origin
YNAB
Era

Daily anomaly monitoring across every account

Clarity
ChatGPT Finances
Monarch
Origin
Partial
YNAB
Era
Partial

Life-event planner with mutable budget state

Clarity
ChatGPT Finances
Monarch
Origin
Partial
YNAB
Era

Capability	Monarch	Origin	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.

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.

See the full FAQ

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.

Start my 30-day trial See a sample portfolio

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