The Problem
Challenges fire movement followers face with their finances
- Your FI number requires knowing your total net worth, but your assets are scattered across 10+ accounts
- Calculating savings rate manually — W-2, side hustles, spending from multiple accounts — is a headache
- Investment growth across your 401k, IRA, taxable, and crypto? Invisible without aggregation
- Coast FI, Barista FI, Lean FI calculations all need accurate, current portfolio data
- Updating your net worth spreadsheet every month is tedious and you keep falling behind
How Clarity Helps
Specific solutions for fire movement followers
Problem: Fragmented net worth
Connect every account — 401k, IRA, HSA, taxable, crypto, bank — and see your total net worth updated daily. You'll know exactly where you stand vs. your FI number.
Problem: Manual savings rate calculation
Automatic income and expense tracking across all accounts means your savings rate practically calculates itself every month.
Problem: Invisible investment growth
Daily portfolio snapshots show your growth trajectory across every account type. You finally get to see compound growth doing its thing.
Problem: Spreadsheet fatigue
Automatic daily sync replaces your monthly spreadsheet ritual. Historical data builds on its own — no manual entry needed.
Key Features
Net Worth Dashboard
Total net worth across 401k, IRA, HSA, taxable, crypto, real estate, and cash. One number.
Savings Rate Tracking
Income and expense tracking across all accounts so you always know your savings rate.
Portfolio Growth
Daily snapshots show compound growth across your entire investment portfolio. Watch the curve steepen.
Multi-Account Sync
12,000+ institutions. Connect once and your data stays current automatically.
Real-World Use Cases
Track total net worth across 12 accounts to monitor progress toward a $1.2M FI number
Calculate monthly savings rate from income and spending data across all connected accounts
See portfolio growth trajectory across 401k, Roth IRA, taxable brokerage, and crypto
Replace the monthly net worth spreadsheet with automatic daily tracking
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
“I tracked my net worth in a spreadsheet for 3 years. Clarity replaced it overnight. Daily updates, every account, zero manual work. I know exactly how close I am to FI now.”
Ryan & Sarah T.
On the path to FIRE, $820K of $1.5M
Frequently Asked Questions
Can Clarity calculate my FI number?
Clarity tracks your total net worth and spending. A common FI estimate is 25x annual spending, and accurate spending data from Clarity makes that math straightforward.
Does Clarity track savings rate?
It tracks income and expenses across all connected accounts. Savings rate = (income - spending) / income, calculated from your real data.
Can I see net worth growth over time?
Yes. Clarity takes daily portfolio and balance snapshots. You can chart your net worth trajectory over months and years.
Does Clarity support crypto alongside traditional investments?
Yes. Connect crypto exchanges and wallets alongside your 401k, IRA, and bank accounts. It all shows up in one net worth calculation.