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A stronger alternative for modern money tracking
Compare the tradeoffs, try the interactive demo, then start a free trial if Clarity fits your setup.
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
Why people switch from Banktivity
- Mac and iOS only — no Android, no web, no Windows
- No crypto exchange or on-chain wallet support of any kind
- No AI assistant or automated insights
- Investment analytics are basic — no cost basis, no tax lot tracking
- Smaller team and slower feature velocity than cloud-native competitors
- No multi-user or household collaboration
Where Clarity is the better fit
- Full-stack tracking: banks, crypto, DeFi, and investments with AI across any device
- Banks + crypto exchanges + on-chain wallets in one dashboard
- AI-powered categorization powered by GPT-4o (via the OpenAI API)
- Complete data deletion on account closure — your data is fully purged, not archived
Start from the Clarity page that best replaces Banktivity
The best switch path depends on why the current product stopped being enough.
You need a stronger money tracker
Use the broad money-tracking page if your current tool covers only one slice of your financial life.
You need investor-grade context
Use the investor page if the gap is portfolio visibility, tax workflow, crypto coverage, or all-account net worth.
You want proof before switching
Validate integrations, product surfaces, and related comparisons before moving your workflow.
Side-by-side comparison
Scored across 9 criteria. Sources linked where available.
| Feature | Clarity | Banktivity |
|---|---|---|
| Account Coverage | Banks, brokerages, crypto exchanges, and on-chain wallets in one dashboard. | Banktivity connects banks, credit cards, and investment accounts. Investment balances and basic allocation are included. No crypto exchange or on-chain wallet support. |
| Sync Reliability | Automatic retry logic and connection health monitoring with proactive alerts. | Banktivity supports both Plaid and direct bank connections. Direct connections on a Mac-native app can be sensitive to macOS updates and require periodic re-authentication. |
| Pricing Predictability | Flat $99/year or $12/mo — one tier, all features included. | Banktivity is $49.99/year or $6.99/mo — a single transparent price that includes all features. Good value for a Mac-native app with investment tracking. |
| Data Freshness | Multiple automatic syncs per day with on-demand refresh across all account types. | Banktivity syncs when opened and on demand. As a Mac app, background sync depends on the app being open or a scheduled refresh — less continuous than cloud-native services. |
| Historical Depth | Imports up to 24 months of transaction history from connected institutions. | Banktivity stores data locally and retains all history — users who have been on the app for years accumulate long transaction histories that don't expire. |
| Export & Reporting | CSV export, spending breakdowns, net worth charts, and portfolio performance views. | Banktivity exports OFX, QIF, and CSV. Its reporting covers spending, budgets, and basic investment balances. No crypto reports, no Form 8949 export, no cost basis tracking. |
| Privacy & Security | Read-only connections, encryption at rest, no ad tech, and no data sales. Closing an account triggers full data deletion. | Banktivity stores data locally on the user's Mac by default, which is a strong privacy posture — your financial data doesn't leave your device unless you enable iCloud Sync. No advertising model. |
Who should switch (and who shouldn't)
Clarity
When to choose Clarity
Full-stack tracking: banks, crypto, DeFi, and investments with AI across any device
- Hybrid investors with both traditional and crypto assets
- Privacy-conscious users who want full data deletion
- Users who need a single net worth view across all accounts
- Crypto holders who need cost basis tracking for taxes
Banktivity
When to choose Banktivity
Mac-native personal finance with investment tracking and direct bank connections
- Apple-ecosystem users who prefer a native Mac and iOS experience
- Users who want investment tracking alongside budgeting
- People who value local data storage as a privacy option
What users say
"Banktivity was great on my Mac but the moment I got serious about crypto I needed something that could track both sides of my portfolio."
"I used Banktivity for years. Moving to Clarity meant giving up the native Mac feel but gaining crypto tracking and the ability to access my finances from anywhere."
How to switch
easy15 minutes
- 1Create a Clarity account and connect your bank accounts via Plaid
- 2Add investment and retirement accounts
- 3Add crypto exchange and wallet connections if applicable
- 4Balances and transactions sync automatically — net worth appears within minutes
- 5Optionally export OFX from Banktivity to compare historical transaction history
Frequently asked questions
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Ready to move on from Banktivity?
7-day free trial. No credit card. Connect your accounts in under 5 minutes and see your real net worth across banks, crypto, and investments.
See the product
Try Clarity before you switch
Explore the interactive demo with sample data. No signup needed.
Ready to move on from Banktivity?
7-day free trial. No credit card. Connect your accounts in under 5 minutes and see your real net worth across banks, crypto, and investments.