Skip to main content

Planning

The kid. The house. The sabbatical. The one that pays for itself, the one that doesn't.

Model the next ten years against the balances you actually have — not the ones a generic calculator assumes. Run two versions of the decision. See the net worth at 60 in both. Decide on real math instead of vibes.

Try Pro for $1See How It Works
  • 12,000+ institutions
  • Read-only connections
  • AES-256 + TLS 1.2+
Clarity life events planner — multi-decade scenario comparison with synced balances

Real balances. Real lot-level cost basis. Real state tax.

The planner reads from your connected accounts so the starting numbers are yours — not a placeholder.

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

Generic calculators answer the wrong question

They tell you what a 6% return on $X looks like. The real question is what your specific accounts do under your specific decision.

Down-payment math is asset-specific

Pulling $180K from the brokerage is one tax bill. From the Roth is another. From the HSA is a third. A calculator with one number can't model any of them.

A kid changes everything for 22 years

Childcare, 529s, school choice, healthcare deductibles, parental career changes. Each lever compounds for two decades. One-number calculators don't compound.

Retirement isn't one date

The bridge from retirement age to 59½ runs on taxable accounts. Roth conversions need bracket headroom. Generic FIRE calculators ignore both.

Decisions modeled on your real ledger

Three things the planner does that a Reddit calculator can't.

01

Scenario fork from your real balances

Fork your current state into a 'with' and a 'without' version. Apply the event, run the projection, view both side by side. Every account included — checking, taxable, retirement, HSA, real estate, debt.

02

Lot-level tax math

Capital gains projections use your real cost basis lot by lot. State tax adjusts if you model a relocation. AMT, NIIT, IRMAA thresholds tracked. Roth conversion bracket headroom computed every year of the projection.

03

Share the model, not the conclusion

Export a scenario to PDF or share read-only with a CPA, advisor, or partner. They see the underlying assumptions and can disagree with line items — not just react to your slide.

Try Pro for $1See How It Works

Side-by-side

The planner sits where a calculator gives up and an advisor charges a fee.

Clarity vs Empower, NewRetirement, and a Reddit spreadsheet for life-event planning
Capability
Clarity
Empower logo
Empower
NewRetirement
Spreadsheet
Reads from your real synced balances
Partial
Side-by-side scenario compare
Partial
Partial
Lot-level capital gains tax math
Partial
Partial
Models relocation state tax change
Partial
Roth conversion bracket planning
Partial
Partial
Share with advisor read-only
No paid advisory upsell on every screen
Try Pro for $1See How It Works

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.

House purchase or sale, a kid, college, a job change or income drop, a sabbatical, early retirement, an inheritance, a divorce, and a relocation that changes state tax. Each is modeled against your real synced balances rather than generic calculator numbers.

Retirement calculators take inputs and return one chart. The planner takes your actual synced accounts, applies an event, and shows the rolling impact across every account — checking, retirement, taxable bridge, the works — for the next 30+ years. You can argue with specific lines.

Yes. Build a 'buy the house in 2027' scenario and a 'wait until 2029' scenario, view them side by side, and see the net worth deltas at age 60, 65, and 70. Useful for the decisions where 'it depends' is the honest answer.

Federal brackets are exact for the current year and projected forward. State taxes use the rate of your declared residency and adjust if you model a relocation. Capital gains are modeled lot-by-lot from your real cost basis. AMT and NIIT thresholds are tracked.

Yes. Export a scenario to PDF or share read-only with an advisor. They see the same model, the same assumptions, and the underlying lot-level math — so the conversation starts from the same numbers you started from.

Try Pro for $1See How It Works

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.

Retirement Tracker

401(k)s, IRAs, HSAs, and the taxable bridge.

Learn more →

Goals Tracker

Savings goals layered on real accounts.

Learn more →

Net Worth Tracker

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

Learn more →

Stop deciding life events from a calculator that doesn't know your accounts

Connect once. Fork your current state into a scenario. See the 30-year impact in numbers you can defend.

Try Pro for $1See How It Works

Clarity is a planning and tracking tool — not a registered investment adviser, financial planner, or tax preparer. Scenario projections are model outputs based on inputs you supply and current tax law; actual results will differ. Consult a qualified adviser or CPA before acting on life-event decisions.

Empower®, NewRetirement®, and other product names referenced are trademarks of their respective owners; Clarity is not affiliated with or endorsed by any of them. Feature comparisons reflect each product's published documentation as of May 2026.