The Problem
Challenges debt-free seekers face with their finances
- Your student loans, credit cards, car payment, and personal loans are all in different apps with different logins
- You have no idea what your total debt actually is or how fast it's going down
- It's hard to stay motivated when you can't see the big picture across all your debts
- Finding extra money for debt payments is tough when you don't know where your money goes
- Net worth feels irrelevant when you're in debt, but it's actually getting better with every payment
How Clarity Helps
Specific solutions for debt-free seekers
Problem: Fragmented debt accounts
Connect all your loans and credit cards. You'll see one number for total debt that updates as you pay things down. Simple as that.
Problem: Invisible payoff progress
Daily balance snapshots chart your payoff over time. You'll actually see the total shrink month after month.
Problem: Net worth growth during debt payoff
Every debt payment improves your net worth. Clarity calculates assets minus liabilities so you can see that progress happening in real time.
Problem: Budget for extra payments
Category budgets and spending tracking show exactly where your money goes. That makes it way easier to find room for extra debt payments.
Key Features
Total Debt Dashboard
Every loan, credit card, and balance in one place. No more app-hopping.
Payoff Progress
Daily balance snapshots show your debt going down over time. Visual proof that your hard work is paying off.
Net Worth Tracking
Your net worth improves with every payment, even while you still carry debt. Clarity shows you that.
Budget Categories
Track spending by category so you can find extra dollars to throw at your debt.
Real-World Use Cases
See total outstanding debt across $45K student loans, $8K credit cards, and $22K car loan
Track month-over-month debt reduction across all accounts on one chart
Set a monthly budget to find an extra $300/month for accelerated student loan payments
Watch net worth climb from -$50K toward $0 and beyond as debts get paid off
Best entry points in Clarity
Start with the surfaces that best match this use case, then connect them back to your actual accounts, holdings, and planning decisions.
Best-fit workflows
Start with these tools
“Watching my total debt drop from $73K to $41K on one chart is what kept me going. I needed to see that progress to stay disciplined.”
Amanda F.
Paid off $73K in 26 months
Frequently Asked Questions
Can Clarity track all types of debt?
Yep. Student loans, credit cards, auto loans, mortgages, personal loans. Any account supported by Plaid will show its balance and payment history.
Does Clarity recommend debt payoff strategies?
Clarity gives you the visibility — total debt, balances, and spending data. You pick your strategy (avalanche, snowball, whatever works for you) and Clarity tracks your progress.
Can I see net worth even with negative net worth?
Absolutely. Clarity calculates net worth as total assets minus total liabilities. If you're in debt, your net worth can be negative right now, and you'll get to watch it improve over time.
Does Clarity send payment reminders?
Clarity focuses on financial visibility, not payment reminders. It will show your recurring debt payments, but your lenders handle the reminders.