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Planning

The down payment. The emergency fund. The trip to Japan. Tracked on the accounts you already have.

Tag a portion of your real savings as a goal. The balance updates as money moves. Time-to-target projected from your real contribution rate — not a wish. One account can hold three goals; one goal can span three accounts.

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  • 12,000+ institutions
  • Read-only connections
  • AES-256 + TLS 1.2+
Clarity goals tracker — savings targets layered on real synced account balances

No envelopes. No new accounts. The real ones, tagged.

Goals sit on top of your synced balances and update in real time as the underlying account moves.

12,000+
US & Canadian institutionsvia Plaid
130+
crypto exchangesdirect API
40+
blockchainswallet sync
100,000+
tickers & marketslive pricing

The envelope model doesn't fit modern accounts

Most goal trackers either ask you to type the number or open a new account per goal. Neither survives contact with a real household balance sheet.

One account often funds multiple goals

Your high-yield savings holds the down payment AND the emergency fund AND a buffer. Tools that demand one-account-per-goal don't model how real people actually save.

Manual updates rot fast

Goal trackers that require you to type the new balance after every paycheck stop getting touched after week three. The data goes stale. The goal becomes fiction.

Wishful timelines aren't plans

Picking 'December 2027' and watching it never move isn't a plan. Time-to-target needs to be computed from your real contribution rate — and adjust automatically when life shifts.

Goals that live on top of real money

What changes when goals are a layer on real balances instead of a separate ledger.

01

Layer on real accounts

Tag part of a savings account as 'down payment.' Tag another part as 'emergency fund.' The account total still adds up. Progress updates as deposits and withdrawals hit. No envelopes.

02

Time-to-target on your real run-rate

Projected hit-date based on your trailing contribution rate. 50/80/95 percentile band shows how robust the timeline is. Slow month? The date moves. Big bonus? It moves back.

03

Personal and household goals

Personal goals stay yours alone. Household goals roll up across both partners' accounts. Both views on the same screen — no separate apps, no spreadsheets, no manual reconciliation.

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Side-by-side

Envelope tools and round-up apps both have answers. Here's what neither one does.

Clarity vs YNAB, Monarch, and Qapital for goals tracking
Capability
Clarity
YNAB logo
YNAB
Monarch logo
Monarch
Qapital
Goals layered on existing accounts
Partial
Multiple goals share one account
Time-to-target from real contribution rate
Partial
Partial
Partial
Includes investment-account growth
Partial
Personal vs household goals
Partial
No separate sub-account or sweep required
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Frequently Asked Questions

No. Clarity has no "send money" or "place trade" tool — not anywhere in the product. That's the architecture, not a setting. Plaid returns a read-only access token; crypto exchange connections use read-only API keys you create yourself. Even if an AI agent went off the rails, the worst it could do is read. Data is encrypted in transit (TLS 1.2+) and at rest (AES-256). Security overview.

No. Goals are a layer on top of the accounts you already have. Tag a portion of your high-yield savings as the down-payment goal, another portion as the emergency fund. The balance shows actual money in real accounts — not envelope abstractions.

Yes. A single savings account can hold the down payment, the emergency fund, and the sabbatical goal simultaneously — each tracked as its own progress bar. The account balance equals the sum of all goals plus untagged cash.

Based on your average monthly contribution rate and your declared APY. The view shows expected hit-date with a 50/80/95 percentile band so you can see how robust the timeline is to a slow month.

Yes. A goal can target a brokerage or retirement account with an assumed real return — useful for college funds and retirement sub-goals. The projection then includes assumed growth, not just contributions.

Yes. Goals can be personal or household. Household goals roll up balances from both partners' accounts; personal goals stay private. Both partners see progress on shared goals.

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Track everything in one workspace

This tracker is one of several. Spending, taxes, portfolio, and net worth all live in the same view — wired into the same accounts.

Money Tracking

Sunday morning, one tab. Spending, investments, crypto, and upcoming bills — already reconciled.

See the full workspace

Spending Tracker

New charges, spending spikes, and recurring bills — surfaced before you have to go looking.

See transaction tracking

Tax Tracking

Cost basis updates with every trade. Gains and losses are ready to export — not reconstructed in April.

See planning

Net Worth Tracker

Cash, debt, retirement, brokerage, and crypto balances in one number you can actually trust.

See net worth tracking

Related ways people use Clarity

Sibling workflows that share the same underlying accounts and AI — switch context, not tools.

Multi-Account Budgeting

Households and couples with split accounts.

Learn more →

Life Events Planner

Model a house, a kid, or early retirement.

Learn more →

Net Worth Tracker

Cash, investments, crypto, real estate, and debt.

Learn more →

Tag a savings goal on the account you already have

Connect banks and brokerages. Add a goal in 30 seconds. Watch the timeline update as your actual money moves.

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Clarity is a tracking and reporting tool — not a registered investment adviser or tax preparer. Nothing on this page is a recommendation to buy, sell, or hold any security. Cost-basis and wash-sale outputs are software calculations; confirm with your tax software or a qualified preparer before filing.