Connect checking and credit accounts with at least 90 days of transaction history.
2
Review auto-detected recurring charges, subscriptions, and bill patterns by merchant.
3
Monitor month-over-month changes and flag new or increased recurring charges early.
Required evidence
Subscription and bill identification
Month-over-month trend monitoring
New recurring charge alerts
American Express-specific considerations
Monitor American Express balances, merchant-level spending, recurring bills, direct deposits, and transfer activity in one Clarity dashboard so you can review American Express with real trend lines, balances, and history instead of checking American Express in isolation or rebuilding the same context each week.
Compare American Express with brokerage accounts, crypto balances, liabilities, and total net worth, which makes it easier to explain whether activity from American Express changed liquidity, diversification, or total net worth across your broader financial picture.
Use Clarity as a American Express spending tracker that turns raw American Express updates into a repeatable workflow for weekly cash flow reviews and month-end budget checkups, rather than a one-off snapshot that is forgotten after a quick check.
Keep American Express visible next to the rest of your household finances so large changes from American Express are easier to understand during weekly reviews, month-end reconciliation, and forward planning without reconstructing the timeline from memory.
Tie American Express activity to budgeting reviews, subscription cleanup, and recurring expense decisions, which helps convert monitoring into clear follow-up actions whenever American Express starts moving in a way that deserves attention, explanation, escalation, or review.
