# Clarity

> One workspace for all of your finances. Full LLM discovery context for Clarity follows below.

## What Clarity Does

Clarity is a personal finance app that unifies banking, investing, and crypto visibility into one dashboard. It is built for people who hold assets across traditional and crypto systems and want a single operating view.

### Core Features
- **Net worth tracking** across cash, stocks, crypto, real estate, and manual assets
- **Spending intelligence** with auto-categorized transactions, merchant insights, and recurring charge detection
- **Portfolio performance** with IRR, cost basis (FIFO), and allocation drift analysis
- **Tax-ready exports** — Form 8949, cost basis reports, wash sale detection, CSV for TurboTax or CPAs
- **AI financial copilot** — ask portfolio questions like "What is my exposure to AI stocks?" (GPT-4o-based, via OpenAI)
- **Budget tracking** with configurable alerts and spending breakdowns
- **Semantic transaction search** across all connected accounts
- **Recurring charge detection** and bill reminders
- **Household sharing** for joint finances
- **DeFi position tracking** including impermanent loss and cross-chain bridge matching
- **Multi-currency support** with automatic conversion
- **PE and VC fund tracking** for alternative investments

## Pricing

- **$229/year** ($19.08/month billed annually) or **$24/month** billed monthly
- Free tier: every Clarity workspace tool (Money, Net Worth, Planning), manual entry, and crypto exchange connections (bring your own read-only API keys)
- 30-day money-back guarantee on all new paid subscriptions
- Pro includes 5 bank/brokerage + 5 wallet connections; overages billed per-item beyond the bundle
- Optional add-ons: heavier AI credit packs
- Revenue comes from subscriptions only — no ads, no data sales

### What's Included in Every Plan
- 5 bank/brokerage connections (Plaid) — full sync, zero toggles
- 5 wallet connections
- Unlimited crypto exchange connections (CCXT)
- 100 AI messages / month
- 1099/W-2 OCR + tax document parsing
- Exports & reports (PDF + CSV)
- 30-min priority sync
- All planning, tax, retirement, insurance, and budgeting tools
- Net worth tracking, portfolio performance, tax exports, Ask AI, budgets, DeFi tracking, multi-currency, household sharing

### Cost Comparison
Most finance apps cost $100–$180/year and only cover budgeting or investments — not both.
- Budgeting app (YNAB, Monarch): ~$100/year
- Crypto tracker (CoinTracker): ~$99/year
- Investment tracker (Sharesight): ~$180/year
- Tax prep add-on: ~$60/year
- Net worth tracker (Kubera): ~$150/year
- **Total with separate tools: ~$519/year**
- **Clarity: $229/year**

## Integration Coverage

Clarity connects to 12,200+ financial providers:
- **12,000+ banks and brokerages** via Plaid — tokenized, read-only access (Chase, Fidelity, Schwab, Vanguard, Bank of America, etc.)
- **100+ crypto exchanges** via direct API — encrypted read-only keys (Coinbase, Kraken, Binance, Gemini, etc.)
- **50+ blockchains** via on-chain indexing — public wallet addresses only (Ethereum, Solana, Polygon, Arbitrum, etc.)
- **50 curated integration guides** with hand-written setup instructions
- Manual entry for real estate, vehicles, and other assets
- All connections are **read-only** — Clarity never has permission to move money

## Feature Comparison Summary

| Feature | Clarity | YNAB | Monarch | Copilot | Empower | Kubera |
|---|---|---|---|---|---|---|
| Crypto & DeFi | Yes | No | No | No | No | Limited |
| Tax reports (Form 8949) | Yes | No | No | No | No | No |
| Ask AI | Yes | No | Limited | Limited | No | No |
| Budgets & spending | Yes | Yes | Yes | Yes | Yes | No |
| Investment tracking | Yes | No | Limited | Limited | Yes | Yes |
| Annual price | $229 | $99 | $100 | $100 | Free* | $150 |

*Empower is free but monetizes user data and upsells advisory services.

## Security & Privacy Summary

- **Read-only architecture** — no transfer, withdrawal, or trading permissions on any account
- **Bank credentials** handled by Plaid (never stored by Clarity)
- **Exchange API keys** encrypted at rest with authenticated encryption
- **Wallet connections** use public addresses only — no private keys
- **TLS 1.3** for all client-server communication
- **No ads, no data sales, no advisory upsells** — subscription revenue only
- **Data deleted on cancellation** — immediate, permanent deletion
- **AI chat data not used** by OpenAI for model training (per OpenAI API business terms)
- CCPA and GDPR rights supported

## Support

- Priority support included with all plans
- Contact: https://useclarity.app/contact
- Email: support@useclarity.app

## Coverage Snapshot
- Unique integration pages: 50
- Provider catalog totals: Plaid 12,000, Exchange API 100, On-Chain 50, Curated 50

## Product and Trust
- Home: https://useclarity.app/
- Product: https://useclarity.app/product
- Pricing: https://useclarity.app/pricing
- Demo: https://useclarity.app/product
- Integrations: https://useclarity.app/integrations
- Integration comparisons: https://useclarity.app/integrations/compare
- Asset directory: https://useclarity.app/assets/browse
- Security: https://useclarity.app/legal/security
- Privacy: https://useclarity.app/legal/privacy
- Terms: https://useclarity.app/legal/terms
- About: https://useclarity.app/about
- Contact: https://useclarity.app/contact
- Resources: https://useclarity.app/atlas
- Press: https://useclarity.app/press
- Cookies: https://useclarity.app/legal/cookies
- Learn: https://useclarity.app/learn

## Sitemaps
- https://useclarity.app/sitemap.xml

## Asset Tracking Pages
- Asset pages: 500 (crypto, stocks, ETFs, REITs, commodities, forex)
- https://useclarity.app/assets/bitcoin
- https://useclarity.app/assets/ethereum
- https://useclarity.app/assets/apple-stock
- https://useclarity.app/assets/vanguard-sp500-etf
- https://useclarity.app/assets/gold
- https://useclarity.app/assets/usd-eur

## Integrations Samples
- https://useclarity.app/integrations/coinbase
- https://useclarity.app/integrations/chase
- https://useclarity.app/integrations/fidelity
- https://useclarity.app/integrations/kraken
- https://useclarity.app/integrations/ethereum
- https://useclarity.app/integrations/bitcoin

## Programmatic Cluster Samples
- https://useclarity.app/integrations/coinbase/for/balance-verification
- https://useclarity.app/integrations/chase/errors/item-login-required
- https://useclarity.app/integrations/compare/chase-vs-bank-of-america
- https://useclarity.app/integrations/chase#coverage

## Blog (31 posts)
- https://useclarity.app/blog/asset-allocation-myth
- https://useclarity.app/blog/budgeting-methods-real-data
- https://useclarity.app/blog/clarity-auto-categorization
- https://useclarity.app/blog/clarity-crypto-tax-tracking
- https://useclarity.app/blog/clarity-freelancer-tax-dashboard
- https://useclarity.app/blog/dca-vs-lump-sum-backtest
- https://useclarity.app/blog/fire-math-updated
- https://useclarity.app/blog/fomo-tax-cost-of-chasing-hype
- https://useclarity.app/blog/recession-and-net-worth
- https://useclarity.app/blog/roth-vs-traditional-decision-tree
- https://useclarity.app/blog/short-term-vs-long-term-gains
- https://useclarity.app/blog/staking-yields-2026
- https://useclarity.app/blog/stock-options-decision-framework
- https://useclarity.app/blog/tax-loss-harvesting-when-it-works
- https://useclarity.app/blog/ai-chat-tools
- https://useclarity.app/blog/ai-anomaly-detection
- https://useclarity.app/blog/ai-cash-flow-forecasting
- https://useclarity.app/blog/ai-net-worth-forecasting
- https://useclarity.app/blog/ai-recurring-predictions
- https://useclarity.app/blog/ai-spending-predictions
- https://useclarity.app/blog/semantic-transaction-search
- https://useclarity.app/blog/voice-input-ai-chat
- https://useclarity.app/blog/what-is-the-cfa-charter
- https://useclarity.app/blog/ai-chatbot-qa-fixes
- https://useclarity.app/blog/ai-chatbot-qa-results
- https://useclarity.app/blog/ai-chatbot-qa-testing
- https://useclarity.app/blog/net-worth-tracker
- https://useclarity.app/blog/personal-finance-dashboard
- https://useclarity.app/blog/ai-financial-assistant
- https://useclarity.app/blog/hidden-subscription-costs
- https://useclarity.app/blog/prediction-markets-tracker

## Comparison Pages (34)
- https://useclarity.app/compare/clarity-vs-mint
- https://useclarity.app/compare/clarity-vs-ynab
- https://useclarity.app/compare/clarity-vs-monarch
- https://useclarity.app/compare/clarity-vs-rocket-money
- https://useclarity.app/compare/clarity-vs-copilot
- https://useclarity.app/compare/clarity-vs-empower
- https://useclarity.app/compare/clarity-vs-sharesight
- https://useclarity.app/compare/clarity-vs-kubera
- https://useclarity.app/compare/clarity-vs-wealthsimple
- https://useclarity.app/compare/clarity-vs-origin
- https://useclarity.app/compare/clarity-vs-zerion
- https://useclarity.app/compare/clarity-vs-zapper
- https://useclarity.app/compare/clarity-vs-debank
- https://useclarity.app/compare/clarity-vs-coinstats
- https://useclarity.app/compare/clarity-vs-koinly
- https://useclarity.app/compare/clarity-vs-cointracker
- https://useclarity.app/compare/clarity-vs-nansen
- https://useclarity.app/compare/clarity-vs-jupiter-portfolio
- https://useclarity.app/compare/clarity-vs-simplifi
- https://useclarity.app/compare/clarity-vs-everydollar
- https://useclarity.app/compare/clarity-vs-pocketguard
- https://useclarity.app/compare/clarity-vs-tiller
- https://useclarity.app/compare/clarity-vs-lunch-money
- https://useclarity.app/compare/clarity-vs-moneywiz
- https://useclarity.app/compare/clarity-vs-snowball
- https://useclarity.app/compare/coinbase-vs-kraken
- https://useclarity.app/compare/coinbase-vs-binance
- https://useclarity.app/compare/clarity-vs-pocketsmith
- https://useclarity.app/compare/clarity-vs-banktivity
- https://useclarity.app/compare/clarity-vs-mvelopes
- https://useclarity.app/compare/clarity-vs-qapital
- https://useclarity.app/compare/clarity-vs-goodbudget
- https://useclarity.app/compare/clarity-vs-daily-budget
- https://useclarity.app/compare/clarity-vs-fudget

## Alternatives Pages (32)
- https://useclarity.app/alternatives
- https://useclarity.app/alternatives/mint
- https://useclarity.app/alternatives/ynab
- https://useclarity.app/alternatives/monarch
- https://useclarity.app/alternatives/rocket-money
- https://useclarity.app/alternatives/copilot
- https://useclarity.app/alternatives/empower
- https://useclarity.app/alternatives/sharesight
- https://useclarity.app/alternatives/kubera
- https://useclarity.app/alternatives/wealthsimple
- https://useclarity.app/alternatives/origin
- https://useclarity.app/alternatives/zerion
- https://useclarity.app/alternatives/debank
- https://useclarity.app/alternatives/coinstats
- https://useclarity.app/alternatives/nansen
- https://useclarity.app/alternatives/zapper
- https://useclarity.app/alternatives/koinly
- https://useclarity.app/alternatives/cointracker
- https://useclarity.app/alternatives/jupiter-portfolio
- https://useclarity.app/alternatives/simplifi
- https://useclarity.app/alternatives/everydollar
- https://useclarity.app/alternatives/pocketguard
- https://useclarity.app/alternatives/tiller
- https://useclarity.app/alternatives/lunch-money
- https://useclarity.app/alternatives/moneywiz
- https://useclarity.app/alternatives/snowball
- https://useclarity.app/alternatives/pocketsmith
- https://useclarity.app/alternatives/banktivity
- https://useclarity.app/alternatives/mvelopes
- https://useclarity.app/alternatives/qapital
- https://useclarity.app/alternatives/goodbudget
- https://useclarity.app/alternatives/daily-budget
- https://useclarity.app/alternatives/fudget

## Tools — Free Calculators (27)
- https://useclarity.app/tools
- https://useclarity.app/tools/break-even
- https://useclarity.app/tools/budget-50-30-20
- https://useclarity.app/tools/capital-gains
- https://useclarity.app/tools/compound-interest
- https://useclarity.app/tools/crypto-tax
- https://useclarity.app/tools/dca
- https://useclarity.app/tools/debt-payoff
- https://useclarity.app/tools/emergency-fund
- https://useclarity.app/tools/exchange-rate
- https://useclarity.app/tools/fire
- https://useclarity.app/tools/home-office
- https://useclarity.app/tools/impermanent-loss
- https://useclarity.app/tools/inflation
- https://useclarity.app/tools/investment-return
- https://useclarity.app/tools/loan-comparison
- https://useclarity.app/tools/mortgage
- https://useclarity.app/tools/net-worth
- https://useclarity.app/tools/portfolio-allocation
- https://useclarity.app/tools/password-strength
- https://useclarity.app/tools/paycheck
- https://useclarity.app/tools/profit-margin
- https://useclarity.app/tools/rental-property
- https://useclarity.app/tools/retirement
- https://useclarity.app/tools/savings-goal
- https://useclarity.app/tools/subscription-cost
- https://useclarity.app/tools/tax-bracket
- https://useclarity.app/tools/tip

## Guides (0)
- https://useclarity.app/learn

## Glossary (192 terms)
- https://useclarity.app/glossary
- https://useclarity.app/glossary/1031-exchange
- https://useclarity.app/glossary/401k
- https://useclarity.app/glossary/403b
- https://useclarity.app/glossary/457b
- https://useclarity.app/glossary/50-30-20-rule
- https://useclarity.app/glossary/ach-transfer
- https://useclarity.app/glossary/airdrop
- https://useclarity.app/glossary/alpha
- https://useclarity.app/glossary/alternative-minimum-tax
- https://useclarity.app/glossary/amm
- https://useclarity.app/glossary/apr
- https://useclarity.app/glossary/apy
- https://useclarity.app/glossary/asset-allocation
- https://useclarity.app/glossary/backdoor-roth
- https://useclarity.app/glossary/basis-point
- https://useclarity.app/glossary/bear-market
- https://useclarity.app/glossary/benchmark
- https://useclarity.app/glossary/beneficiary
- https://useclarity.app/glossary/beta
- https://useclarity.app/glossary/bid-ask-spread

## Best Of (33)
- https://useclarity.app/best
- https://useclarity.app/best/best-stock-portfolio-trackers
- https://useclarity.app/best/best-net-worth-trackers
- https://useclarity.app/best/best-investment-tracking-apps
- https://useclarity.app/best/best-dividend-trackers
- https://useclarity.app/best/best-wealth-management-apps
- https://useclarity.app/best/best-portfolio-rebalancing-tools
- https://useclarity.app/best/best-budgeting-apps
- https://useclarity.app/best/best-free-budgeting-apps
- https://useclarity.app/best/best-budgeting-apps-for-beginners
- https://useclarity.app/best/best-budgeting-apps-for-couples
- https://useclarity.app/best/best-expense-trackers
- https://useclarity.app/best/best-apps-to-track-spending
- https://useclarity.app/best/best-subscription-trackers
- https://useclarity.app/best/best-bill-tracking-apps
- https://useclarity.app/best/best-money-management-apps
- https://useclarity.app/best/best-robo-advisors
- https://useclarity.app/best/best-etf-screeners
- https://useclarity.app/best/best-financial-planning-apps
- https://useclarity.app/best/best-retirement-planning-tools
- https://useclarity.app/best/best-crypto-portfolio-trackers
- https://useclarity.app/best/best-defi-portfolio-trackers
- https://useclarity.app/best/best-crypto-wallets
- https://useclarity.app/best/best-crypto-exchanges
- https://useclarity.app/best/best-ethereum-portfolio-trackers
- https://useclarity.app/best/best-apps-to-track-crypto-and-stocks
- https://useclarity.app/best/best-crypto-tax-software
- https://useclarity.app/best/best-crypto-tax-software
- https://useclarity.app/best/best-tax-software
- https://useclarity.app/best/best-savings-apps
- https://useclarity.app/best/best-debt-payoff-apps
- https://useclarity.app/best/best-personal-finance-apps
- https://useclarity.app/best/best-mint-alternatives
- https://useclarity.app/best/best-ynab-alternatives

## Use Cases — Personas (29)
- https://useclarity.app/for
- https://useclarity.app/for/day-traders
- https://useclarity.app/for/freelancers
- https://useclarity.app/for/small-business-owners
- https://useclarity.app/for/financial-advisors
- https://useclarity.app/for/accountants
- https://useclarity.app/for/real-estate-investors
- https://useclarity.app/for/content-creators
- https://useclarity.app/for/crypto-investors
- https://useclarity.app/for/defi-users
- https://useclarity.app/for/dividend-investors
- https://useclarity.app/for/index-fund-investors
- https://useclarity.app/for/options-traders
- https://useclarity.app/for/nft-collectors
- https://useclarity.app/for/forex-traders
- https://useclarity.app/for/college-students
- https://useclarity.app/for/newlyweds
- https://useclarity.app/for/new-parents
- https://useclarity.app/for/retirees
- https://useclarity.app/for/pre-retirees
- https://useclarity.app/for/gen-z
- https://useclarity.app/for/debt-free
- https://useclarity.app/for/fire-movement
- https://useclarity.app/for/first-time-investors
- https://useclarity.app/for/high-net-worth
- https://useclarity.app/for/tax-optimization
- https://useclarity.app/for/passive-income
- https://useclarity.app/for/side-hustlers
- https://useclarity.app/for/expats
- https://useclarity.app/for/couples

## Templates (25)
- https://useclarity.app/templates
- https://useclarity.app/templates/monthly-budget
- https://useclarity.app/templates/50-30-20-budget
- https://useclarity.app/templates/zero-based-budget
- https://useclarity.app/templates/biweekly-budget
- https://useclarity.app/templates/household-budget
- https://useclarity.app/templates/college-student-budget
- https://useclarity.app/templates/investment-portfolio-tracker
- https://useclarity.app/templates/stock-portfolio
- https://useclarity.app/templates/dividend-tracker
- https://useclarity.app/templates/rebalancing-worksheet
- https://useclarity.app/templates/crypto-tax-worksheet
- https://useclarity.app/templates/capital-gains-tracker
- https://useclarity.app/templates/tax-deduction-checklist
- https://useclarity.app/templates/1099-organizer
- https://useclarity.app/templates/crypto-portfolio-tracker
- https://useclarity.app/templates/defi-yield-tracker
- https://useclarity.app/templates/crypto-cost-basis
- https://useclarity.app/templates/debt-payoff-planner
- https://useclarity.app/templates/debt-snowball-tracker
- https://useclarity.app/templates/emergency-fund-tracker
- https://useclarity.app/templates/savings-goal-tracker
- https://useclarity.app/templates/sinking-fund-tracker
- https://useclarity.app/templates/net-worth-tracker
- https://useclarity.app/templates/retirement-savings-planner
- https://useclarity.app/templates/subscription-tracker

## About Sections (8)
- https://useclarity.app/about/mission
- https://useclarity.app/about/security
- https://useclarity.app/about/platform
- https://useclarity.app/about/ai-agents
- https://useclarity.app/about/investing
- https://useclarity.app/about/budgeting
- https://useclarity.app/about/reports
- https://useclarity.app/about/privacy

## Blog Categories (15)
- https://useclarity.app/blog/category/ai
- https://useclarity.app/blog/category/ai-ml
- https://useclarity.app/blog/category/behavioral-finance
- https://useclarity.app/blog/category/budgeting
- https://useclarity.app/blog/category/cfa
- https://useclarity.app/blog/category/crypto
- https://useclarity.app/blog/category/dashboards
- https://useclarity.app/blog/category/investing
- https://useclarity.app/blog/category/markets
- https://useclarity.app/blog/category/net-worth
- https://useclarity.app/blog/category/personal-finance
- https://useclarity.app/blog/category/predictions
- https://useclarity.app/blog/category/product
- https://useclarity.app/blog/category/subscriptions
- https://useclarity.app/blog/category/taxes

## Markdown Mirrors (6)
- https://useclarity.app/llms/product.md
- https://useclarity.app/llms/pricing.md
- https://useclarity.app/llms/compare.md
- https://useclarity.app/llms/integrations.md
- https://useclarity.app/llms/security.md
- https://useclarity.app/llms/privacy.md

## Agent-Friendly Access

Priority pages support `Accept: text/markdown` content negotiation:
- `curl -H "Accept: text/markdown" https://useclarity.app/`
- `curl -H "Accept: text/markdown" https://useclarity.app/pricing`
- `curl -H "Accept: text/markdown" https://useclarity.app/integrations`
- `curl -H "Accept: text/markdown" https://useclarity.app/compare`
- `curl -H "Accept: text/markdown" https://useclarity.app/product`
- `curl -H "Accept: text/markdown" https://useclarity.app/about`
- `curl -H "Accept: text/markdown" https://useclarity.app/contact`
- `curl -H "Accept: text/markdown" https://useclarity.app/atlas`

## Alternate Context Sizes
- https://useclarity.app/llms.txt
- https://useclarity.app/llms/pricing.md
- https://useclarity.app/llms/compare.md
- https://useclarity.app/agents.txt
- https://useclarity.app/AGENTS.md
- https://useclarity.app/llms-small.txt
- https://app.useclarity.app/llms.txt