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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 Qapital
- Primarily a savings automation app — not a comprehensive financial tracker
- No external account aggregation across banks, brokerages, or crypto
- No net worth view, no transaction categorization, no spending analytics
- No AI assistant, no market data, no tax reports
- Managed investing is at Qapital's discretion — not self-directed
- Product is narrowly focused on savings goals rather than full household finance
Where Clarity is the better fit
- Full-stack financial tracking: banks, investments, crypto, and AI insights
- 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 Qapital
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 | Qapital |
|---|---|---|
| Account Coverage | Banks, brokerages, crypto exchanges, and on-chain wallets in one dashboard. | Qapital operates primarily within its own FDIC-insured spending and savings accounts. External account aggregation is limited — the product is built around the Qapital wallet, not a broad view of your existing accounts. |
| Sync Reliability | Automatic retry logic and connection health monitoring with proactive alerts. | Qapital's automated rules run reliably within its own account infrastructure. External bank-link reliability depends on the bank and rule trigger. |
| Pricing Predictability | Flat $99/year or $12/mo — one tier, all features included. | Qapital has three tiers: Basic ($3/mo), Complete ($6/mo), and Master ($12/mo). Basic covers simple savings rules; investment portfolios require Complete or above. The tier structure is clear but adds up if you want more features. |
| Data Freshness | Multiple automatic syncs per day with on-demand refresh across all account types. | Qapital's rule triggers and account balances update in near-real-time within its own system. External account data freshness depends on the linked account provider. |
| Historical Depth | Imports up to 24 months of transaction history from connected institutions. | Qapital shows savings goal progress and transfer history within its own system. Historical depth of external transaction data is not a documented feature. |
| Export & Reporting | CSV export, spending breakdowns, net worth charts, and portfolio performance views. | Qapital focuses on goal progress and transfer activity. Reporting is minimal — there is no CSV export, no spending analytics, and no investment performance reporting. |
| Privacy & Security | Read-only connections, encryption at rest, no ad tech, and no data sales. Closing an account triggers full data deletion. | Qapital holds real money in FDIC-insured accounts via partner banks. It is a regulated financial product with standard consumer protections. Privacy policy is published. |
Who should switch (and who shouldn't)
Clarity
When to choose Clarity
Full-stack financial tracking: banks, investments, crypto, and AI insights
- 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
Qapital
When to choose Qapital
Automated savings rules tied to goals, habits, and payday schedules
- People who want automated savings rules (round-ups, payday rules, etc.)
- Users building toward specific financial goals
- Beginners who want simple savings automation
What users say
"Qapital helped me build the savings habit but I outgrew it when I needed to see my investments and crypto in the same place."
How to switch
easy5 minutes
- 1Create a Clarity account and connect your external bank accounts via Plaid
- 2Add investment, retirement, and crypto accounts
- 3Clarity shows your current balances and net worth immediately
- 4Continue using Qapital for savings rules if they're working for you — Clarity and Qapital can run side by side
Frequently asked questions
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Ready to move on from Qapital?
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 Qapital?
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.