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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 Fudget
- No bank sync whatsoever — purely manual
- No investment tracking, no net worth view, no spending history
- No crypto support of any kind
- No AI assistant, no market data, no tax reports
- Essentially a calculator list — not a financial management tool
- No data persistence or cloud backup on the free tier
Where Clarity is the better fit
- Automated full-stack financial tracking with banks, crypto, investments, and AI
- 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 Fudget
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 | Fudget |
|---|---|---|
| Account Coverage | Banks, brokerages, crypto exchanges, and on-chain wallets in one dashboard. | Fudget is a budget list app with no bank sync, no investment tracking, no crypto, and no net worth calculation. It lists income and expense line items and subtracts them. |
| Sync Reliability | Automatic retry logic and connection health monitoring with proactive alerts. | No bank connections — nothing to break. Fudget displays exactly what you enter and is always accurate to your last input. |
| Pricing Predictability | Flat $99/year or $12/mo — one tier, all features included. | Fudget is free or very low cost for Pro features. Pricing is not a meaningful differentiator — it's one of the cheapest tools in any budgeting category. |
| Data Freshness | Multiple automatic syncs per day with on-demand refresh across all account types. | Fudget data is as fresh as your last manual entry. There is no automatic update mechanism — the app shows a list you maintain. |
| Historical Depth | Imports up to 24 months of transaction history from connected institutions. | Fudget lists are typically per-project or per-month. There is no historical transaction archive or trend analysis. |
| Export & Reporting | CSV export, spending breakdowns, net worth charts, and portfolio performance views. | Fudget shows the total balance of a list. There is no export, no spending category breakdown, and no reporting beyond the in-app list view. |
| Privacy & Security | Read-only connections, encryption at rest, no ad tech, and no data sales. Closing an account triggers full data deletion. | Fudget stores data on-device with no bank connections or cloud sync by default. Privacy risk is negligible — only the numbers you type are stored. |
Who should switch (and who shouldn't)
Clarity
When to choose Clarity
Automated full-stack financial tracking with banks, crypto, investments, and AI
- 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
Fudget
When to choose Fudget
Simple budget lists — income minus expenses — without any bank connections
- Users who want the absolute simplest budget list without any complexity
- People who distrust app-connected bank accounts
- Occasional budgeters who want to track a single project or event budget
What users say
"Fudget was perfect for tracking my monthly grocery and entertainment budget. When I started investing, I needed something that could see the whole picture."
How to switch
easy5 minutes
- 1Create a Clarity account and connect your bank accounts via Plaid
- 2Add investment and crypto accounts if applicable
- 3Transaction history syncs automatically — no manual entry required
- 4Use Clarity's budget feature to replicate the spending targets from your Fudget lists
Frequently asked questions
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Ready to move on from Fudget?
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 Fudget?
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.