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Alternative
A stronger alternative for modern money tracking
Compare the tradeoffs, try the interactive demo, then start a free trial if Clarity fits your setup.
Alternative
Compare the tradeoffs, try the interactive demo, then start a free trial if Clarity fits your setup.
The best switch path depends on why the current product stopped being enough.
See the product
Explore the interactive demo with sample data. No signup needed.
14-day free trial. No credit card. Connect your accounts in under 5 minutes and see your real net worth across banks, crypto, and investments.
Use the broad money-tracking page if your current tool covers only one slice of your financial life.
Use the investor page if the gap is portfolio visibility, tax workflow, crypto coverage, or all-account net worth.
Validate integrations, product surfaces, and related comparisons before moving your workflow.
Scored across 9 criteria. Sources linked where available.
| Criterion | Clarity | Koinly |
|---|---|---|
| Account Coverage | 5/5 Coinbase holdings, MetaMask wallet, Schwab brokerage, and Chase checking appear in one dashboard. Crypto cost basis shares the same data model as spending and investment performance. | 3/5 Koinly's public materials emphasize broad exchange, wallet, and blockchain coverage. It remains crypto-specific rather than a banks-and-brokerages aggregator. |
| Sync Reliability |
Crypto cost basis next to your 401(k) performance, monthly spending, and total net worth—banks, brokerages, and wallets in one product.
Crypto traders who need localized tax reports across major jurisdictions and deeper tax-specific crypto tooling.
Proactive connection-health monitoring across Plaid, exchange APIs, and wallet indexing. When a connection breaks, the UI surfaces the issue and explains the fix.
3/5 Exchange API imports work well for standard spot trades. Complex DeFi activity can still require manual review before filing. |
| Pricing Predictability | 4/5 $99/year or $12/month for everything—portfolio tracking, crypto cost basis, spending analysis, AI. No per-transaction caps, no per-tax-year billing. | 2/5 Koinly's current pricing starts at $49 and scales upward by transaction count and plan level. Because plans are purchased per tax year, multi-year filing can add up faster than a flat annual subscription. |
| Data Freshness | 4/5 Crypto prices update near real-time. Bank and brokerage balances sync on a scheduled cadence with on-demand refresh. Designed as an always-on dashboard, not a once-a-year tool. | 3/5 Portfolio balances update on sync, but the product is architecturally a tax calculator that happens to show balances. Most users open Koinly once a year at tax time. |
| Historical Depth | 3/5 Imports ~24 months of transaction history from connected institutions. Crypto history available from connection date forward. | 5/5 Built to ingest full trading history across years. Users routinely import 5+ years of exchange data for accurate cost-basis calculations going back to their first crypto purchase. This is Koinly's core strength. |
| Export & Reporting | 4/5 FIFO cost-basis tracking with wash-sale detection, CSV exports, portfolio performance, and spending analysis—crypto taxes inside a broader financial workflow. | 5/5 Koinly supports Form 8949, Schedule D, international tax reports, TurboTax import, and multiple cost-basis methods including FIFO, LIFO, HIFO, ACB, and share pooling. |
| Privacy & Security | 4/5 Read-only connections, encryption at rest, no advertising cookies, no data sales. BYOK AI routes model traffic through your own provider. Account closure triggers full data purge—not archival. | 3/5 API keys stored encrypted. GDPR compliant with data deletion on request. No known breaches. Uses standard analytics and cookies. Read-only exchange connections. Reasonable posture for a tax-focused SaaS product. |
"I used Koinly for tax season but needed something for the other 11 months. Clarity tracks my banks, brokerage, and crypto in one place year-round."
"Koinly wanted $179 per tax year for my trading volume. Clarity is $99/year for everything including crypto cost basis."
50/30/20 Budget
Split take-home pay into needs, wants, and savings with baseline 50/30/20 or custom ratio budgeting in one clear view.
Capital Gains
Estimate tax on investment sales using cost basis adjustments, selling costs, and short-term versus long-term treatment in one transparent view.
Compound Interest
Project long-term portfolio growth using principal, recurring contributions, and configurable compounding frequency.
14-day free trial. No credit card. Connect your accounts in under 5 minutes and see your real net worth across banks, crypto, and investments.
Crypto Tax
Estimate crypto capital gains tax with holding-period logic, bracket assumptions, and worked examples.
