AI Personal Finance
Ask anything about your money. Get an answer grounded in your real numbers.
AI personal finance built around your actual accounts — not a chatbot that guesses, not a dashboard you have to learn.
- 12,000+ institutions
- Read-only account connections
- Bank-level encryption
Why most AI finance tools fall short
The gap between an AI that talks about money and an AI that sees your money.
ChatGPT can't see your accounts. It can explain what FIRE means but can't tell you when you'll hit it.
Bolt-on AI features in budgeting apps surface trivia — your top category — without context across investments and crypto.
Spreadsheets and prompts can't keep up with balances that change daily across five different institutions.
What you can actually do
Examples of questions Clarity answers from your real accounts — banks, brokerages, crypto wallets, retirement, debt.
Spending and recurring charges
'Show me subscriptions I haven't used in 60 days.' 'What's my biggest discretionary category vs last quarter?' Answered from your transactions, not from averages.
Investments and net worth
'Am I overweight in tech?' 'What's my real cost basis for BTC after the last harvest?' 'How did my portfolio drift since rebalancing?' Pulled from holdings across every brokerage and exchange.
Planning and decisions
'Simulate paying down my highest-rate card first.' 'When do I hit my Roth IRA limit at this pace?' 'Should I move 5% from VTI to VXUS for international exposure?' Grounded in your real numbers and risk profile.
How it works under the hood
The AI is grounded — it doesn't guess, and every answer can be traced back to a transaction or position.
- 1. You connect accounts read-only via Plaid (banks), CCXT (exchanges), or Alchemy (wallets). Clarity never sees your passwords.
- 2. Balances, transactions, holdings, and recurring charges sync on a schedule into one workspace.
- 3. Ask a question. The AI translates it into a query against your actual data, returns the answer, and shows the underlying numbers so you can verify.
- 4. Your prompts and data aren't used to train external models. Disconnect any account in one click.
Frequently asked questions
What people ask before connecting their first account.
How is AI personal finance different from a chatbot?
A chatbot can't see your accounts. Clarity's AI is grounded in your real, current balances, transactions, and holdings — pulled in read-only mode through Plaid for banks, CCXT for exchanges, and Alchemy for on-chain wallets. So when you ask 'what changed since last week' it answers from your numbers, not from a generic explanation.
Does it use ChatGPT?
It uses OpenAI's GPT-4o under the hood for the natural-language layer, but the answer is always anchored to a query against your linked accounts. Each response cites the underlying transactions or positions so you can trace where every number came from.
What can I actually ask it?
Anything that has an answer in your data: 'how much did I spend on dining last month vs the previous three?', 'what's my biggest recurring charge I haven't used?', 'what's my crypto cost basis for tax season?', 'what changed in my net worth since last quarter?', 'am I overweight in tech stocks?'. It also handles planning prompts like 'simulate paying down my highest-rate card first.'
Is my financial data private?
Connections are read-only and tokenized. Your data isn't sold or shared. AI prompts are processed without being used to train external models. You can disconnect any account in one click.
How is this different from Monarch, Copilot, or Rocket Money?
Those tools have categorization and dashboards, but the AI features are bolt-ons. Clarity is built around the AI assistant from the ground up — every dashboard view, every comparison, every planning workflow can be questioned in plain English. You don't have to learn a UI to use it.
Related pages
AI personal finance works best across spending, investing, crypto, and planning.
01
One review instead of five apps
Sunday morning, one tab. Spending, investments, crypto, and upcoming bills — already reconciled.
- Every bank, brokerage, and wallet balance updates automatically
- Transactions categorized across all accounts — no manual rules
- Weekly review takes minutes, not the morning
02
See what changed this week
New charges, spending spikes, and recurring bills — surfaced before you have to go looking.
- Every card and bank account in one feed, searchable and categorized
- Recurring charges flagged automatically — price increases included
- Spending connected to your net worth, not isolated in a bank app
03
Tax season without the scramble
Cost basis updates with every trade. Gains and losses are ready to export — not reconstructed in April.
- Capital gains tracked across crypto and equities as you trade
- Pre-filled Form 8949, Schedule D, and Schedule 1 exports
- Tax documents from every institution collected in one place
04
Your real net worth — not what one bank shows
Cash, debt, retirement, brokerage, and crypto balances in one number you can actually trust.
- Every account type — checking, IRA, 401k, crypto, mortgage — in one view
- Net worth over time: daily, monthly, or since you started
- Allocation and concentration visible at a glance
Useful next steps
See it in action, compare it to your current tools, or read the security details.
Stop refreshing five apps. Start asking one question.
AI personal finance grounded in your real accounts. 7-day free trial, no credit card required.