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Bank · brokerage · crypto — together for the first time

Finally know where all your money is.

Track your net worth, budget your spending, manage your investments and crypto, stay tax-ready, and plan the big moves — all in one workspace, with AI that reads your real data.

Start free — no cardTry the demo
  • Banks & brokerages
  • Crypto & wallets
  • Read-only — we can't move money
  • 3-minute setup

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.

Step 1

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.

Step 2

One workspace, always current

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

Step 3

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

Ask anything

Answers in dashboards, not opinions.

Other AI finance tools tell you what to do. Clarity shows you. Ask a question and the chart, table, or holdings view builds itself from your real accounts — never pulled from the open web, never wrapped in advice you didn't ask for.

Ask AI

Demo

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

What changed this week?

Answer

Three things worth noting: Your checking balance dropped $1,840 (rent auto-pay hit Tuesday). Your Fidelity 401(k) is up $2,100 on market gains. And a new recurring charge appeared — $14.99/mo from an app subscription on your Visa.

Bring your own AI. Already use Claude or ChatGPT? Connect Clarity as an MCP server and your money becomes context your AI can read — same data, the interface you already live in.

All your accounts, in one place

Everything other apps refuse to touch.

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. The whole balance sheet, not just the liquid part.

12,000+
banks & brokerages
130+
crypto exchanges
40+
blockchains
30+
DeFi protocols

Everything you need, in one workspace

Net worth, budgets, investments, taxes, and life decisions.

Five workflows other apps make you stitch together — kept current automatically, with every account type other tools refuse to touch: crypto exchanges, on-chain wallets, DeFi positions, and illiquid assets you enter by hand.

Net worth

Every dollar you own, in one number.

Banks, brokerages, retirement, crypto, wallets, your home, your car — minus what you owe. The single number that tells you where you actually stand, updated every time something changes.

Net worth tracker→Track all your money→
Net worth
$1,178,600
+$22,140 this month
All accounts
  • Vanguard
    401(k) + IRA
    Vanguard · Fidelity · Schwab
    $383,400
    +2.4%
  • Bitcoin
    Crypto & wallets
    Coinbase · MetaMask · Phantom
    $145,200
    +4.2%
  • Home + car
    Zestimate · KBB
    $650,400
    +$14,200 YoY
  • Chase
    Cash & checking
    Chase · Ally · Apple
    $28,200
    +$1,840
  • Wells Fargo
    Mortgage + cards
    Wells Fargo · Chase · Amex
    ($428,600)
    -$1,820
Spending & budgets

See where every dollar goes — across cards and wallets.

Every transaction from every account in one feed, categorized automatically. Budgets that move with your real life — and they cover crypto activity, not just bank cards.

Spending→Budgets→Mint replacement→
Transactions
$8,524
Last 30 days
38 entries
  • Payroll deposit
    Income · Chase ··1184
    $4,820.00
    May 13
  • Airbnb
    Travel · Amex ··0044
    ($386.00)
    May 12
  • Aave — USDC supply
    DeFi · Ethereum · 0x71…f3a
    ($2,500.00)
    May 11
  • Whole Foods
    Groceries · Chase ··9921
    ($127.42)
    May 10
  • USDT transfer
    Crypto · Coinbase
    ($1,000.00)
    May 9
  • Netflix
    Subscriptions · Amex ··0044
    ($15.99)
    May 8
Recurring & subscriptions

Find money you forgot you were spending.

Clarity flags every recurring charge across your cards and wallets — old streaming services, free trials that quietly converted, app store subscriptions you forgot about. The average member uncovers nine subscriptions they no longer use.

Recurring tracker→Subscription audit→
Subscriptions flagged
$188.97/mo
Cancel all five → $2,268/year saved
Found money
  • Adobe Creative Cloud
    Unused since Aug
    $54.99/mo
  • Hulu + Live TV
    Unused since Sep
    $76.99/mo
  • Peloton membership
    Unused since Jul
    $24.00/mo
  • Notion AI add-on
    Unused since Oct
    $20.00/mo
  • Headspace
    Unused since Jun
    $12.99/mo
Investments

Every account, every lot, every cost basis.

401(k), IRA, brokerage, HSA — reconciled at the lot level across every custodian. FIFO cost basis, concentration exposure, and household-wide allocation. Stocks, ETFs, options, bonds, mutual funds — and crypto positions priced live in the same view.

Portfolio tracker→401(k) tracker→Crypto portfolio→
Holdings
$383,400
+$8,210 today
1M
  • Vanguard
    Vanguard Total Market
    VTI · Vanguard 401(k)
    $84,200
    +2.4%
  • Apple Inc.
    AAPL · Fidelity Brokerage
    $42,180
    +1.1%
  • Vanguard
    Vanguard Total Bond
    BND · Schwab IRA
    $28,900
    -0.2%
  • Schwab
    Schwab US Broad Market
    SCHB · Robinhood
    $18,640
    +3.7%
Taxes

Tax-ready, all year long.

Cost basis tracked from the moment you buy — stocks, options, and crypto. Tax-loss harvest opportunities surfaced as they appear. When January comes, 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
Life events

Plan the big moves before you make them.

Buying a house, finding an apartment, buying a car, having a kid, starting a job, exercising stock options. Pick a scenario — Clarity crosses the best-practice rule (20% down, 30% housing, 6-month emergency fund) against your actual accounts and shows you whether it fits.

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.

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

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.

Leave clean

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

Read the full security overview →

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.

Clarity Free

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

$0

Forever

Get started free

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

  • 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
Most popular

Clarity Pro

Connected banks, brokerages, wallets — everything in one place.

$18/mo

$219/yr · billed annually

Start with Pro

30-day money-back guarantee

  • 5 bank/brokerage + 5 wallet connections
  • 100 AI messages / month
  • 1099/W-2 OCR + tax document parsing
  • Exports & reports (PDF + CSV)
  • Everything in Free

Clarity Wealth

Triple the connections. Five times the AI.

$37/mo

$449/yr · billed annually

Start with Wealth

30-day money-back guarantee

  • 15 bank/brokerage + 10 wallets
  • 500 AI messages / month
  • Everything in Pro
Read-only connections · 30-day money-back guarantee on paid plans
See full comparison and add-ons

What people ask before connecting their first account.

Straight answers on security, bank coverage, linking, cancellations, and the AI — the details you'd scan before approving access.

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 · Privacy Policy.

Almost certainly. 12,000+ US and Canadian banks and brokerages via Plaid, plus 130+ crypto exchanges and 40+ blockchains. Search supported connections.

See the full FAQ

Stop refreshing five apps. Use Clarity instead.

Ask in plain English and get answers tied to your real balances, holdings, and history — not generic finance trivia.

Start free — no card neededQuick product tour

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