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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.
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 Zerion
- Crypto-only product — no banks, brokerages, or spending data
- Free tracking is centered on wallet addresses rather than full cross-provider finance aggregation
- Premium pricing is tied to tracked wallets and advanced features
- No tax-lot workflow for your full financial life outside crypto
Where Clarity is the better fit
- One net-worth view across banks, brokerages, exchanges, and on-chain wallets.
- 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 Zerion
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 | Zerion |
|---|---|---|
| Account Coverage | 5/5 Covers banks, brokerages, crypto exchanges, and on-chain wallets in one product. | 3/5 Strong multichain wallet and DeFi coverage, but no bank or brokerage aggregation for the rest of your finances. |
| Sync Reliability | 4/5 Queue-based sync with retries across Plaid, exchange, and wallet connections. | 4/5 Real-time wallet indexing is strong for supported chains and DeFi positions. |
| Pricing Predictability | 4/5 Flat subscription pricing with no per-wallet or asset-count limits. | 3/5 Free core tracker with Premium for advanced analytics, so capability expands by tier. |
| Data Freshness | 4/5 Scheduled and on-demand syncs with near real-time market pricing for crypto assets. | 5/5 Wallet balances and DeFi positions update quickly from on-chain data sources. |
| Historical Depth | 3/5 Tracks history from connection date forward with imported transaction history where providers allow. | 4/5 On-chain history is inherently deep for tracked wallets, but coverage stays inside crypto. |
| Export & Reporting | 4/5 CSV exports, portfolio views, and crypto cost-basis reporting tie into a broader finance workflow. | 3/5 Good portfolio visibility, but reporting is centered on crypto positions rather than household finance or taxes across all accounts. |
| 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. | 4/5 Self-custody-first model with wallet connectivity and a privacy-forward product posture. |
Who should switch (and who shouldn't)
Choose Clarity if…
One net-worth view across banks, brokerages, exchanges, and on-chain wallets.
- 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 Zerion if…
Wallet-first users who mainly care about DeFi positions, NFT visibility, and multichain self-custody tracking.
- Onchain users who mainly track self-custody wallets
- DeFi traders who care about real-time wallet activity
- Users who want one wallet across many EVM and Solana-style ecosystems
What users say
"Zerion is beautiful for wallet tracking but I needed my brokerage and bank accounts in the same view. Clarity solved that."
"Once tax season hit I realized Zerion had no cost basis tools. Clarity handles crypto taxes and spending in one place."
How to switch
easy10-15 minutes
- 1Create a Clarity account and connect your bank and brokerage accounts if you want a full net-worth view.
- 2Add your exchange API keys and paste wallet addresses for on-chain holdings.
- 3Review balances and holdings, then keep Zerion open temporarily to cross-check wallet totals.
- 4Use Clarity as the primary dashboard once all major accounts and wallets match.
Frequently asked questions
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Ready to move on from Zerion?
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 Zerion?
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.