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Alternative for independent users
An Origin alternative you keep when you leave the company
Origin is employer-sponsored — leave the job, lose access. Clarity is independent: $99/year, your data, your terms, across banks, brokerages, and crypto.
Category page
Money Tracking App
The category-center page for people who need spending, net worth, investing, crypto, and taxes in one system.
- Built for fragmented finances, not one-account simplicity
- Spending, portfolios, crypto, and taxes together
- NFT gallery with collection grouping, floor prices, and collectible tax treatment
- The clearest category entry into the full product story
Explore money tracking
Investor wedge
Personal Finance App for Investors
A sharper wedge for self-directed investors and complex households who need cash flow and portfolio context together.
- Cash flow plus portfolio, allocation, and tax visibility
- Full DeFi dashboard with health factor monitoring and yield optimization
- Designed for people who outgrew budgeting-only apps
- The strongest fit page in the flagship cluster
See the investor angle
Aggregation promise
Track All Your Money
See every account in one place across banks, brokerages, retirement accounts, exchanges, wallets, and planning workflows.
- One system across account types, entities, and weekly reviews
- Useful for weekly reviews, planning, and tax prep
- Pre-filled IRS Form 8949, Schedule D, and Schedule 1 PDF generation
- Turns fragmented financial data into operational context
See all-account tracking
Net worth
Net Worth Tracker
Track net worth with cash, liabilities, portfolios, retirement accounts, and crypto in one operating view.
- Net worth with allocation, spending, and portfolio context
- Useful for reviews, planning, and tax-aware decisions
- Stronger than a bank-only or brokerage-only snapshot
Explore net worth tracking
Spending
Spending Tracker
Track transactions, recurring bills, merchants, budgets, and cash-flow shifts with the wider financial picture attached.
- Transactions, merchants, recurring, and budgets together
- Better for operational finance than a static bank feed
- Connects day-to-day spending back to the bigger system
Explore spending tracking
Why people switch from Origin Financial
- $9.99/month for individuals without employer sponsorship — poor value without the subsidy
- Limited crypto support
- Planning-focused, not tracking-focused — no real-time portfolio tracking
- Smaller independent user base
- If your employer drops Origin, you lose access or start paying full price
Where Clarity is the better fit
- Full control over financial tracking with real-time data across banks, brokerages, and crypto.
- Banks + crypto exchanges + on-chain wallets in one dashboard
- AI-powered categorization with bring-your-own-key (BYOK) so users can route model traffic through their own provider
- Complete data deletion on account closure — your data is fully purged, not archived
Start from the Clarity page that best replaces Origin Financial
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.
| Criterion | Clarity | Origin Financial |
|---|---|---|
| Account Coverage | 5/5 Aggregates banks, brokerages, crypto exchanges, and on-chain wallets through Plaid and direct API connections. | 3/5 Links bank and brokerage accounts for budgeting and planning. No crypto exchange or wallet integration. |
| Sync Reliability | 4/5 Direct API integrations with retry logic. Plaid reliability varies by institution. | 3/5 Account linking relies on third-party aggregators. Users report occasional sync delays with some institutions. |
| Pricing Predictability | 4/5 Flat subscription pricing. No per-account or percentage-based fees. | 2/5 Free when employer-sponsored, but individual access is not available. If your employer drops the benefit, you lose access entirely. |
| Data Freshness | 4/5 On-demand sync plus scheduled background refreshes. Crypto balances update in near real-time. | 2/5 Account balances may lag by a day or more. Focus is on planning rather than real-time tracking. |
| Historical Depth | 4/5 Imports up to 2 years of history via Plaid. Stores portfolio snapshots for trend analysis. | 3/5 Shows account history from linked institutions but does not emphasize long-term historical tracking. |
| Export & Reporting | 4/5 CSV export, cost-basis reports, and portfolio snapshots for all connected accounts. | 2/5 Focused on guided planning reports rather than raw data export. Limited self-service reporting. |
| Privacy & Security | 4/5 Read-only connections, encryption at rest, no ad tech, and no data sales. BYOK AI keeps model traffic under user control, and closing an account triggers full data purge. | 3/5 Origin is employer-sponsored, meaning your employer has visibility into aggregate usage data. Your financial data lives in a system controlled by your employer's benefits agreement, not by you. If you leave the company, your access and data are subject to the employer's retention policy. No AI features, no BYOK option. |
Who should switch (and who shouldn't)
Choose Clarity if…
Full control over financial tracking with real-time data across banks, brokerages, and crypto.
- Hybrid investors with both traditional and crypto assets
- Privacy-conscious users who want BYOK AI and full data deletion
- Users who need a single net worth view across all accounts
- Crypto holders who need cost basis tracking for taxes
Choose Origin Financial if…
Employees whose company offers Origin as a benefit, especially for guided planning and advisor access.
- Employees whose company offers Origin as a benefit
- Users who want human financial planning guidance
- People who need help with equity compensation
What users say
"When I changed jobs I lost access to Origin overnight. Clarity keeps my data regardless of where I work."
"I wanted crypto and brokerage tracking in the same place as my checking account. Origin could not do that."
How to switch
easy10-20 minutes
- 1Sign up for Clarity and connect your bank accounts via Plaid.
- 2Add crypto exchange API keys if applicable.
- 3Connect any on-chain wallets by entering public addresses.
- 4Verify that balances match what you see in Origin.
Frequently asked questions
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Ready to move on from Origin Financial?
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.
See the product
Try Clarity before you switch
Explore the interactive demo with sample data. No signup needed.
Ready to move on from Origin Financial?
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.