The Problem
Challenges small business owners face with their finances
- Your business and personal finances live in separate apps, so you never see your real net worth
- You don't know if you can afford to hire or invest until you manually check every single account
- Tracking business expenses across multiple cards and accounts is tedious and mistakes creep in
- Your investment accounts — 401k, SEP-IRA, brokerage — are totally disconnected from your day-to-day business finances
- Monthly financial reviews mean logging into 5+ different platforms. Who has time for that?
How Clarity Helps
Specific solutions for small business owners
Problem: Fragmented financial picture
Connect everything — business checking, personal savings, brokerage, retirement — and see your total net worth on one dashboard. That's it.
Problem: Poor cash flow visibility
Real-time balance tracking across all accounts, plus spending trends and income patterns, give you instant cash flow clarity.
Problem: Expense tracking across accounts
Transactions get categorized automatically across all connected accounts. Filter by business vs. personal with custom rules.
Problem: Siloed investment accounts
Your SEP-IRA, 401k, brokerage, and crypto holdings show up right next to your business accounts. One portfolio view.
Key Features
All-Account Dashboard
Business checking, personal accounts, credit cards, investments, and crypto — all in one view.
Net Worth Tracking
Daily snapshots of your total net worth across every asset class and liability.
Expense Categorization
Automatic merchant recognition with custom business categories and rules you define.
Budget Monitoring
Set budgets for business and personal categories. Get alerts before you overspend.
Real-World Use Cases
Check your cash runway across business accounts before making a hiring decision
Track total net worth including business assets, personal investments, and retirement accounts
Review monthly business spending by category without building another spreadsheet
Stay on top of quarterly tax payments with clear income and expense visibility
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 a small agency and I needed to see business cash flow and personal investments in the same place. Clarity is the only tool that pulls it all together without feeling like enterprise software.”
David R.
Owner, 8-person marketing agency
Frequently Asked Questions
Can I separate business and personal accounts in Clarity?
Yes. Tag accounts as business or personal and filter your dashboard view however you want. Net worth includes everything, but spending reports can be scoped to just business or just personal.
Does Clarity replace accounting software?
Nope. Clarity gives you financial visibility and portfolio tracking. For invoicing, payroll, and bookkeeping, keep using your accounting software. Clarity shows you the bigger picture.
Can I connect business bank accounts?
Clarity connects to 12,000+ institutions including business banking at Chase, Bank of America, Wells Fargo, Mercury, Brex, and more.
Does Clarity track business loans and liabilities?
Connected loan and credit accounts show balances that factor into your net worth. You can track payoff progress right alongside your asset growth.