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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 PocketSmith
- Free tier is severely limited to 2 accounts and a 6-month forecast horizon
- Four pricing tiers ($9.95-$27.95/mo) that differ in account limits and forecast length — confusing compared to flat-rate competitors
- No crypto exchange or on-chain wallet support
- No investment portfolio performance analytics or cost basis tracking
- No AI assistant or automated transaction categorization
- Developer API access is gated behind the highest Super tier ($27.95/mo)
Where Clarity is the better fit
- Unified tracking: banks, crypto, DeFi, and investments with 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 PocketSmith
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 | PocketSmith |
|---|---|---|
| Account Coverage | Banks, brokerages, crypto exchanges, and on-chain wallets in one dashboard. | PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance. |
| Sync Reliability | Automatic retry logic and connection health monitoring with proactive alerts. | PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions. |
| Pricing Predictability | Flat $99/year or $12/mo — one tier, all features included. | Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above. |
| Data Freshness | Multiple automatic syncs per day with on-demand refresh across all account types. | Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type. |
| Historical Depth | Imports up to 24 months of transaction history from connected institutions. | PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine. |
| Export & Reporting | CSV export, spending breakdowns, net worth charts, and portfolio performance views. | PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent. |
| Privacy & Security | Read-only connections, encryption at rest, no ad tech, and no data sales. Closing an account triggers full data deletion. | PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act. |
Who should switch (and who shouldn't)
Clarity
When to choose Clarity
Unified tracking: banks, crypto, DeFi, and investments with 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
PocketSmith
When to choose PocketSmith
Long-range cash-flow forecasting with multi-currency support
- Long-range cash-flow planners who want a forecast calendar
- Multi-currency users tracking international accounts
- Users who want projected balances months or years ahead
What users say
"The forecast calendar in PocketSmith is genuinely impressive, but once I started investing in crypto I needed everything in one dashboard."
"PocketSmith's tier structure got confusing once I had more than a handful of accounts. Clarity's flat pricing is just simpler."
How to switch
easy10 minutes
- 1Create a Clarity account and connect your bank accounts via Plaid
- 2Add crypto exchange and wallet connections if applicable
- 3Add brokerage and retirement accounts
- 4Balances and transactions sync automatically — your net worth is ready within minutes
- 5Optionally keep PocketSmith running if you rely on the cash flow calendar during the transition
Frequently asked questions
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Ready to move on from PocketSmith?
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 PocketSmith?
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.