For households with 10+ accounts
Your money lives in 10 accounts. Your decisions shouldn't.
Banks, brokerages, crypto, on-chain — all reconciled at the lot level. Clarity runs 30+ checks a day and flags only what's worth your time: a drifted allocation, a harvestable loss, a $14.99 subscription you forgot.
30-day money-back guarantee · Cancel anytime
- Read-only — we can't move money
- 3-minute setup
- Free setup call if you get stuck
One workspace, every account
- Banks & brokerages via Plaid
- 12,000+
- Crypto exchanges
- 130+
- Blockchains
- 40+
- Alt asset categories
- 10+
Banks & brokerages via Plaid
Crypto exchanges
Blockchains
Alt asset categories
Three steps, no spreadsheet
From five tabs to one view, in three minutes.
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.
See what moved since last week
Spot the $14.99 subscription you forgot, the rent auto-pay that hit early, the position that moved a few thousand — flagged in one feed instead of five tabs.
Decide from real lots, not estimates
See $8,920 in harvestable losses, a 70/30 that drifted to 78/22, and the recurring charges you can cancel today — each tied to the underlying lot, position, or merchant.
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.
See what moved since last week
Spot the $14.99 subscription you forgot, the rent auto-pay that hit early, the position that moved a few thousand — flagged in one feed instead of five tabs.
Decide from real lots, not estimates
See $8,920 in harvestable losses, a 70/30 that drifted to 78/22, and the recurring charges you can cancel today — each tied to the underlying lot, position, or merchant.
Read-only access · Bank-level encryption · 30-day money-back guarantee
Your money's weekly review
Every check a CFO would run on your money. Running right now.
30+ checks across every account, every day — surfaced as the 2–3 things worth acting on this week.
This week · 3 things worth your attention
Mon 7:00amTax-loss harvest: $8,920 across 3 positions
AAPL, COIN, SHOP — 30-day wash-sale window starts today
Review opportunities
Allocation drift: 78% tech (target 70%)
$14,200 rebalance moves you back to target across taxable + IRA
See rebalance plan
New subscription detected: $14.99/mo
First charge appeared on Visa ··0044 on Tuesday
Keep or cancel
Also clear: 27 other checks ran across your accounts. No action needed.
30+ checks running daily
The schema of what a financially-literate person would check — automated against your real accounts.
- Wash sales about to trigger
- Tax-loss harvest windows
- Allocation drift vs target
- Concentration risk
- Forgotten subscriptions
- FBAR / 8938 thresholds
- Emergency fund threshold
- Quarterly estimate safe-harbor
+ 22 more — 1099 reconciliation, options 60/40 splits, cost-basis gaps, insurance gaps, recurring anomalies, net-worth milestones, mortgage-rate vs market, and more.
Most members find at least one of these in their first week — a forgotten subscription, a harvestable loss, or an allocation that quietly drifted off target. Your numbers, your accounts, your call to act.
For people with assets outside the broker
The whole balance sheet, not just the liquid part.
Banks, brokerages, retirement, credit cards — like every other finance app. Plus crypto exchanges, on-chain wallets, DeFi positions, and manual entries for your home, vehicles, collectibles, metals, and pre-IPO equity. Every line on the same ledger so the books, the P&L, and the net worth tie out.
- 12,000+
- banks & brokerages
- 130+
- crypto exchanges
- 40+
- blockchains
- 10+
- alt asset classes
What the weekly review covers
Investments, taxes, and the big moves — handled in one place.
Lot-level math, books that stay clean, and plans tied to your real numbers — not a chatbot guess.
Every account, every lot, every cost basis.
401(k), IRA, brokerage, HSA — reconciled at the lot level across every custodian, with concentration, allocation drift, and household-wide rebalance math. Stocks, ETFs, options (Section 1256 60/40), bonds, and crypto priced live in the same view.
Vanguard Total MarketVTI · Vanguard 401(k)$84,200+2.4%- Apple Inc.AAPL · Fidelity Brokerage$42,180+1.1%
- Vanguard Total BondBND · Schwab IRA$28,900-0.2%
Schwab US Broad MarketSCHB · Robinhood$18,640+3.7%
Real cost basis. Real wash sales. Real 1099-DA reconciliation.
Cost basis tracked from the moment you buy. When January comes, your 1099-DA reconciles against your books — not the other way around. Form 8949, Schedule D, and Form 6781 render straight from your lots.
- Realized gains · long-term14 lots across Fidelity, Coinbase$22,48015% rate
- Realized gains · short-term6 lots · Robinhood, Kraken$3,140ord. income
- Harvestable losses3 positions underwater$8,920save ~$1,340
- 1099-DA reconciliationBooks match issued forms✓0 mismatches
Plan the big moves against your actual numbers.
Buying a house, exercising options, leaving a job. Pick a scenario — Clarity crosses the rule (20% down, 30% housing, 6-month reserve, AMT thresholds) against your real accounts and writes the plan as budget rows and savings targets, not a chat suggestion.
AI is a feature, not the product
Ask anything about your money. Get an answer, not a guess.
The product is the ledger, the lots, and the checks running daily. The chat sits on top — it reads your real lots, basis, and balances, so the answer is your numbers, not a web search.
Ask AI
What's my cost basis on COIN across every account?
You hold 142 shares of COIN across 3 accounts — total basis $18,420.50, unrealized gain +$9,840.10.
| Account | Qty | Basis | Lots |
|---|---|---|---|
| Fidelity · Taxable | 85 | $11,240.00 | 6 |
| Schwab · Roth IRA | 42 | $5,180.50 | 3 |
| Robinhood | 15 | $2,000.00 | 2 |
Reconciled to broker 1099-Bs · 11 lots · ready for Form 8949
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.
AES-256 + TLS 1.2+
TLS 1.2+ in transit, AES-256 at rest, and authenticated encryption for any sensitive data we hold.
Full data deletion on cancel
Cancel in a click. Your data is fully deleted within 30 days — no hostage workflows.
Built by
Zach, founder of Clarity
I was juggling five finance apps every Sunday and getting nowhere. Clarity is the read-only workspace I wanted — one current picture across banks, brokerages, and crypto. If you have feedback or a feature request, I read every message.
Side by side
How Clarity stacks up.
Spending trackers and chatbots are fine for a handful of accounts. The difference shows once the count gets past 10 — full balance sheet, lot-level books, checks that run themselves.
| Capability | Clarity10+ account household | ChatGPT FinancesChat-first | MonarchCouples budgeting | OriginAdvisor + app | YNABEnvelope budgeting | EraAI assistant |
|---|---|---|---|---|---|---|
| Banks & brokerages (Plaid) | ||||||
| Crypto exchanges (130+ via CCXT) | ||||||
| On-chain wallets across 40+ chains | ||||||
| Lot-level cost basis + wash-sale detection | ◐ | |||||
| 1099-DA & tax-form reconciliation | ||||||
| Manual assets (homes, vehicles, pre-IPO) | ◐ | ◐ | ||||
| Envelope budgeting with rollover | ||||||
| Proactive monitoring (30+ daily checks) | ◐ | ◐ | ||||
| Life-event planner with mutable budget state | ◐ |
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. Household for 25+ accounts across multiple holders. Full refund inside 30 days, no questions.
Clarity Pro
For one person with 10+ financial accounts — one full balance sheet.
$229/yr · billed annually
Less than the Adobe subscription you forgot to cancel. The average member finds nine.
30-day money-back guarantee
Can't link your accounts in 15 minutes? Book a free setup call and we'll do it with you.
- 5 bank/brokerage + 5 wallet connections
- Unlimited crypto exchange connections (CCXT)
- AI assistant covers daily check-ins
- 1099/W-2 OCR + tax document parsing
- Exports & reports (PDF + CSV)
- All planning, tax, retirement, and budgeting tools
Clarity Household
For households with 25+ accounts across multiple account holders.
$449/yr · billed annually
A fraction of one hour with a fee-only advisor — and it runs every day, not once a quarter.
30-day money-back guarantee
Can't link your accounts in 15 minutes? Book a free setup call and we'll do it with you.
- 15 bank/brokerage + 10 wallets
- AI assistant for active multi-account households
- Priority support
- Everything in Pro
See full comparison
| Feature | Pro · $19/mo | Household · $37/mo |
|---|---|---|
| Banks & brokerages | 5 included | 15 included |
| Crypto wallets | 5 included | 10 included |
| Crypto exchanges | Unlimited (CCXT) | Unlimited (CCXT) |
| AI messages / month | 100 (≈ daily check-ins) | 500 (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, 30+ checks running daily in the background — the kind of math a fee-only advisor would charge you to run. Spending tracking is one tab; rebalancing, harvests, and tax math are the others. Side-by-side comparisons · alternatives by category.
Not ready to subscribe yet?
Get the 3-email teardown of where most people leak money.
Forgotten subscriptions, drifted allocations, missed tax-loss harvests — the exact checks you can run on your own accounts, no signup required.
Three emails, then we stop. No drip funnel.
Try it 30 days. If it doesn't earn its keep, we refund you.
Connect your accounts once. Clarity runs the operation in the background — 30+ daily checks across every account, wash sales, harvests, allocation drift, forgotten subscriptions, missed employer match — and every week brings you the 2–3 moves worth making. Email us anytime in the first 30 days and we refund in full, no retention call.
30-day money-back guarantee · Unlimited crypto exchange connections · Cancel anytime