The Problem
Challenges side hustlers face with their finances
- Side hustle income and your paycheck land in the same bank account, and separating them is a pain
- Business expenses like domain names, tools, and supplies are scattered across your personal cards
- You have no clear picture of your true net profit after expenses and self-employment tax
- Quarterly estimated taxes on side income are basically guesswork without real-time tracking
- Is the side hustle actually worth your time? Hard to know without real P&L visibility
How Clarity Helps
Specific solutions for side hustlers
Problem: Mixed income streams
Smart categorization separates your side hustle deposits from payroll. You'll see each income stream on its own.
Problem: Scattered business expenses
Tag side hustle expenses across any connected account. Tools, supplies, subscriptions — all tracked as business costs.
Problem: Unknown net profit
With income categorized and expenses tagged, you'll see your side hustle's actual revenue minus costs in real time. No guessing.
Problem: Estimated tax guesswork
Real-time side hustle income tracking makes quarterly estimated tax calculations way more straightforward.
Key Features
Income Separation
Auto-categorize side hustle income vs. day job payroll across all accounts.
Expense Tracking
Tag and categorize business expenses for your side hustle across any card or account.
Spending Analysis
See where all your money goes — side hustle costs, personal spending, and savings.
Multi-Account Sync
Connect all bank accounts, cards, and payment platforms. Everything in one view.
Real-World Use Cases
Separate Etsy shop income from W-2 payroll in the same checking account
Track side hustle expenses (Shopify, shipping, supplies) across personal credit cards
Calculate quarterly estimated taxes on $2,000/month in side hustle revenue
Determine if the side hustle is profitable after accounting for all expenses and taxes
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 run an Etsy shop nights and weekends. Clarity showed me I was netting way less than I thought after expenses and taxes. Now I track everything and my real profit is up 40%.”
Megan S.
Full-time nurse, Etsy shop owner
Frequently Asked Questions
Can Clarity separate side hustle income from my day job?
Yes. Smart categorization identifies different income sources. Payroll deposits are recognized separately from business income, PayPal transfers, and other side hustle revenue.
Does Clarity calculate self-employment tax?
Clarity tracks your side hustle income in real time. With year-to-date income data, you can estimate self-employment tax (currently 15.3%) for quarterly payments.
Can I track expenses across personal and business cards?
Yes. Connect all your cards and accounts, then use categorization to tag specific transactions as business expenses regardless of which card they're on.
Is Clarity a replacement for separate business accounting?
Clarity is great for personal financial visibility including side hustle income. For formal business accounting, invoicing, and bookkeeping, you'd use dedicated software alongside Clarity.