For people who've outgrown Monarch, ChatGPT, and a spreadsheet.
Your money lives in 10 accounts. Your decisions shouldn't.
See every bank, brokerage, exchange, and on-chain wallet on one balance sheet — with lot-level cost basis, recurring charges caught before they renew, and an AI that cites every answer to a real transaction.
- From $19/mo
- 30-day money-back guarantee
Built by Zach, formerly juggling five finance apps every fifteen minutes. Now tracking everything in one.
Overview
ConnectNet worth
$152.4k
30d flow
$3k
Runway
183d
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%
Today
Net worth up $3.1k over 30 days
Investments did the lifting; cash flat.
See cash flow →
Spending steady vs. last month
$5.8k vs. $6.0k — Food & Dining drove most of it.
Review spending →
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 — bank-grade 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.
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.
Across crypto, on-chain wallets, and manual assets ChatGPT Finances can't reach, with lot-level math nobody else runs.
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 nobody else does.
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) |
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.
A 1% AUM advisor on a $500,000 portfolio is $5,000/year. Clarity Wealth is $349/year — flat, regardless of account size, and we don't manage your money. Pro is the personal plan; Wealth is the same workspace sized for households with more accounts and more holders. Extra connections are metered, not gated.
Save up to 21%
Clarity Pro
For one person consolidating a personal stack into one balance sheet.
$179/yr · billed annually
Save $49/yr vs monthly
Need more? +$2/mo per extra bank, +$1/mo per extra wallet.
Full refund inside 30 days, no questions.
- Every planning, tax, retirement, and budgeting tool in the workspace
- 5 banks/brokerages + 5 wallets + unlimited crypto exchanges (CCXT)
- 200 AI chat messages/mo — grounded in your real synced accounts, with citations
- 1099/W-2 OCR + tax document parsing
- PDF + CSV exports, 30-min priority sync
Clarity Wealth
For households running accounts across multiple holders.
$349/yr · billed annually
Save $95/yr vs monthly
Need more? +$2/mo per extra bank, +$1/mo per extra wallet.
Full refund inside 30 days, no questions.
- Everything in Pro
- 15 banks/brokerages + 10 wallets — 3× and 2× Pro's allowance
- 800 AI chat messages/mo — 4× Pro, sized for an active household ledger
- One workspace, household-wide view of every account
See full comparisonHide full comparison
| Feature | Pro · $15/mo | Wealth · $29/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