Challenges couples face with their finances
Specific solutions for couples
Problem: Unknown combined net worth
Both partners connect their accounts. See combined net worth, total assets, and total debts — the real financial picture as a couple.
Problem: Shared vs. individual expenses
Category-level budgets track spending from all connected accounts. Set budgets for shared categories (groceries, rent) and individual ones (hobbies, clothes).
Problem: Separate saving for shared goals
Track savings across all accounts toward shared goals. Whether money is in joint or individual accounts, total progress is visible.
Problem: Misaligned spending habits
Shared dashboard provides spending transparency. Both partners see the same data, making money conversations productive.
See total net worth across both partners' bank, investment, and retirement accounts.
Set category budgets that track spending across all connected accounts.
Individual and joint accounts — checking, savings, investments, crypto — in one place.
See where household money goes. Identify areas to cut back together.
See combined net worth across both partners' 14 accounts on one dashboard
Set a $1,500/month shared groceries and dining budget that tracks both partners' spending
Track house down payment savings across 3 savings accounts and 2 brokerage accounts
Review combined monthly spending to find areas where the household can save
“We keep separate accounts but needed to see our finances together. Clarity gives us that shared view without forcing us to merge everything. Our money conversations are way better now.”
Casey & Pat L.
Partners, 3 years
Currently, both partners' accounts are connected to one Clarity account for a combined view. Multi-user household access is on the roadmap.
For now, the combined view works best when both partners' financial institutions are connected to one Clarity account. Each bank connection uses Plaid, which never shares your bank login with Clarity.
Yes. Create budget categories for shared expenses (rent, groceries, utilities) and individual categories. Spending from all connected accounts is tracked against these budgets.
Yes. Connect both partners' 401k, IRA, and other retirement accounts. Clarity shows combined retirement savings alongside other assets in the net worth view.