The Problem
Challenges index fund investors face with their finances
- You hold the same funds in your 401k, IRA, and taxable account — but seeing your total allocation across all three? Not easy
- Allocation drift can go unnoticed for months when no tool shows you the cross-account picture
- Tax-efficient fund placement (bonds in tax-deferred, stocks in taxable) is hard to monitor across accounts
- Your net worth feels invisible when it's split across a 401k, HSA, 529, brokerage, and savings
- The monthly spreadsheet ritual works, but it's easy to fall behind — and then you're flying blind
How Clarity Helps
Specific solutions for index fund investors
Problem: Cross-account allocation blindness
Connect your 401k, IRA, taxable brokerage, and HSA. See your total asset allocation across all accounts in one view.
Problem: Unnoticed allocation drift
Portfolio analytics show your current allocation by asset class. You'll spot drift from your target right away.
Problem: Invisible net worth
Daily snapshots track your total net worth across every account — 401k, HSA, 529, brokerage, savings, and more. Always up to date.
Problem: Manual spreadsheet updates
Automatic daily sync keeps your portfolio current. No more monthly spreadsheet sessions.
Key Features
Total Allocation View
Your stocks/bonds/international split across 401k, IRA, taxable, and other accounts — combined into one view.
Net Worth Dashboard
Daily tracking of your total net worth across all financial accounts and asset types.
Automatic Sync
Connect once and your portfolio stays current. Supports 12,000+ institutions.
Historical Snapshots
See how your portfolio has grown over months and years with daily snapshot data.
Real-World Use Cases
See your total stock/bond allocation across 401k (VTSAX), IRA (VXUS), and taxable (BND) accounts
Check if you've drifted more than 5% from your 80/20 target
Track net worth growth including 401k, HSA, 529, brokerage, and emergency fund — all in one number
Review year-over-year portfolio growth without touching a spreadsheet
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
“Simple three-fund strategy, but across 5 accounts. Clarity shows me my real allocation and total net worth without the monthly spreadsheet ritual. That's all I wanted.”
Michael S.
Boglehead investor, 15-year horizon
Frequently Asked Questions
Can Clarity connect to my 401k?
Yes. Most 401k providers are supported through Plaid, including Fidelity, Vanguard, Schwab, T. Rowe Price, and Empower. Holdings and balances sync automatically.
Does Clarity show asset allocation across accounts?
Yes. It aggregates holdings across all your connected accounts and shows total portfolio allocation by asset class — equities, bonds, international, cash, and more.
How often does Clarity sync my accounts?
Daily, automatically. You can also trigger a manual sync any time you want the latest data.
Is Clarity useful if I only buy index funds?
That's actually the sweet spot. The real value is cross-account aggregation — seeing your total allocation, net worth, and growth without doing any manual tracking.