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Summary
Snowball is built for investors who care deeply about dividends and portfolio analytics.
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Summary
Clarity is broader, combining investment tracking with budgeting, crypto, and day-to-day financial visibility.
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Choose Clarity if
Budgeting, investing, crypto, and AI in one dashboard
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Choose Clarity if
Hybrid investors with both traditional and crypto assets
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Choose Clarity if
Privacy-conscious users who want BYOK AI and full data deletion
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Choose Clarity if
Users who need a single net worth view across all accounts
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Choose Clarity if
Crypto holders who need cost basis tracking for taxes
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Choose Snowball Analytics if
Detailed dividend income tracking and portfolio analytics
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Choose Snowball Analytics if
Dividend investors who want income tracking and forecasting
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Choose Snowball Analytics if
Global investors tracking multiple brokerages
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Choose Snowball Analytics if
Users focused on portfolio performance analytics
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Rubric: coverage
Banks, brokerages, crypto exchanges, and on-chain wallets in one dashboard.
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Rubric: coverage
Snowball connects to many brokerages worldwide and tracks stocks, ETFs, crypto (via exchanges), bonds, and real estate. No bank accounts, no budgeting, no DeFi or on-chain wallets.
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Rubric: reliability
Automatic retry logic and connection health monitoring with proactive alerts.
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Rubric: reliability
Snowball's brokerage connections work well for major platforms. Manual portfolio entry is available as a fallback for unsupported brokerages.
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Rubric: pricingPredictability
Simple flat-rate pricing with no usage-based fees.
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Rubric: pricingPredictability
Snowball offers a free tier limited to 2 portfolios. Premium is $80/year or $8/mo. The free tier is useful for testing but most active investors will hit its limits quickly.
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Rubric: dataFreshness
Multiple automatic syncs per day with on-demand refresh.
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Rubric: dataFreshness
Snowball updates portfolio prices during market hours. Sync frequency depends on the connected brokerage and some manual portfolios require manual price updates.
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Rubric: historicalDepth
Imports up to 24 months of transaction history from connected institutions.
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Rubric: historicalDepth
Snowball tracks portfolio performance from the date holdings are added and supports backdating. Long-term dividend history and performance benchmarking go back as far as you provide data.
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Rubric: exportReporting
CSV export, spending breakdowns, net worth charts, and portfolio performance views.
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Rubric: exportReporting
Snowball has strong portfolio performance reports, dividend calendars, and allocation charts. Export options are available but the focus is on in-app analytics rather than data portability.
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Rubric: privacySecurity
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.
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Rubric: privacySecurity
Snowball is a small European company with standard security practices. GDPR provides baseline protections, but the company is small with limited security infrastructure. No AI features, no BYOK option. No public data deletion policy beyond GDPR minimums.
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Rubric: developerExperience
No public API yet. CSV exports available for external tool integration.
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Rubric: developerExperience
Snowball does not offer a public API. Data can be exported but there is no programmatic access for custom integrations.
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Deep dive: coverage
Clarity is a full financial dashboard that connects banks, brokerages, crypto exchanges, and on-chain wallets. You see your checking account, retirement portfolio, Coinbase holdings, and DeFi positions alongside budgeting, spending analysis, and AI-powered categorization.
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Deep dive: coverage
Snowball is a pure portfolio tracker. It connects to brokerages worldwide and tracks stocks, ETFs, bonds, and some crypto through exchange connections. There are no bank accounts, no budgeting, no spending tracking, and no DeFi or on-chain wallet support. It does one thing — portfolio analytics — and does it deeply.
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Deep dive: coverage
If you only care about dividend calendars and portfolio benchmarking, Snowball wins. If you need spending, investing, crypto, and taxes in one dashboard, Clarity is it.
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Deep dive: reliability
Clarity uses automatic retry logic and connection health monitoring with proactive alerts when a sync fails or a connection degrades.
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Deep dive: reliability
Snowball's brokerage connections work well for major platforms. For unsupported brokerages, manual portfolio entry serves as a reliable fallback.
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Deep dive: reliability
Clarity is more automated in handling connection issues. Snowball's manual-entry fallback is practical but shifts the work to the user.
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Deep dive: pricingPredictability
Clarity charges a flat annual rate with no tiers or usage-based fees. Every feature is included regardless of how many accounts you connect.
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Deep dive: pricingPredictability
Snowball offers a free tier limited to 2 portfolios. Premium is $80/year or $8/month. The free tier is useful for testing but most active investors will outgrow it quickly.
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Deep dive: pricingPredictability
Clarity's flat pricing is simpler. Snowball's free tier is a nice entry point, but serious investors will end up on premium regardless.
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Deep dive: dataFreshness
Clarity syncs multiple times per day automatically and supports on-demand refresh across banks, brokerages, and crypto.
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Deep dive: dataFreshness
Snowball updates portfolio prices during market hours. Sync frequency depends on the connected brokerage, and manual portfolios require manual price updates.
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Deep dive: dataFreshness
Clarity delivers more consistent, automated freshness. Snowball's refresh depends on the brokerage and requires manual effort for some portfolios.
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Deep dive: historicalDepth
Clarity imports up to 24 months of transaction history from connected institutions and tracks portfolio performance from the point of connection. For most users this provides sufficient context for financial analysis.
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Deep dive: historicalDepth
Snowball allows backdating portfolio entries and tracks performance from whatever start date you choose. Long-term investors can see years of dividend income, total return, and benchmark comparisons. The dividend calendar and income forecasting are particularly strong for income-focused portfolios.
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Deep dive: historicalDepth
Snowball is the better choice for long-term dividend history and performance benchmarking. Clarity trades that depth for breadth — your crypto, bank, brokerage, and spending history all in one place.
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Deep dive: exportReporting
Clarity offers CSV exports, spending breakdowns, net worth charts, and portfolio performance views covering traditional and crypto assets.
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Deep dive: exportReporting
Snowball has strong portfolio performance reports, dividend calendars, and allocation charts. Export options exist but the focus is on in-app analytics rather than data portability.
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Deep dive: exportReporting
Snowball's in-app analytics are deeper for investments. Clarity offers broader reporting across more asset types and better data portability via CSV.
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Deep dive: privacySecurity
Clarity uses read-only connections, encrypts data at rest, avoids ad tech and data sales, and offers BYOK AI. Account closure triggers full data deletion.
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Deep dive: privacySecurity
Snowball is a small European company with standard security practices. GDPR provides baseline protections, but the company has limited security infrastructure compared to larger platforms. No AI features or BYOK option.
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Deep dive: privacySecurity
Clarity offers a more explicit data-ownership posture with BYOK AI and guaranteed deletion. Snowball relies on GDPR minimums without additional commitments.
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Deep dive: developerExperience
Clarity does not yet offer a public API but provides CSV exports for feeding data into external tools and spreadsheets.
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Deep dive: developerExperience
Snowball does not offer a public API. Data can be exported from the app, but there is no programmatic access for building custom integrations.
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Deep dive: developerExperience
Neither product has a public API. Both offer basic export options, making this category a draw.
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FAQ: Does Clarity track dividends like Snowball?
Clarity tracks dividend transactions as they appear in your brokerage accounts but does not have Snowball's dedicated dividend calendar, income forecasting, or yield-on-cost analytics. If dividend income tracking is your primary use case, Snowball's specialized tools are more detailed.
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FAQ: Can Clarity benchmark my portfolio like Snowball?
Clarity shows portfolio performance and net worth trends over time. Snowball offers more granular benchmarking against specific indices and supports time-weighted returns. For serious portfolio performance analysis, Snowball goes deeper on the investment side.
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FAQ: Should I use both Clarity and Snowball?
That can work well if you want comprehensive financial tracking plus deep portfolio analytics. Use Clarity for budgeting, spending, crypto, and overall net worth. Use Snowball for detailed dividend tracking and portfolio performance benchmarking. The two complement each other.
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