Every account you own — banks, brokerages, wallets, and DeFi — in one read-only picture.
Clarity helps you run your money like a business: cash flow, assets, debt, taxes, and what to do next in one current read-only workspace. Reconcile banks, brokerages, crypto, DeFi, and real estate from one number instead of five.
- 12,000+ financial institutions
- 130+ crypto exchanges
- 40+ blockchains
- 100,000+ stocks, etfs, crypto, and fx tracked
Best for
- Self-directed investors with multiple accounts
- Households managing tradfi + crypto together
- People who want one current picture, not five apps
Not for
- Auto-investing or robo-advisory
- Simple envelope budgeting with no investments
- Moving money between accounts
Trust model
- Read-only — can never move your money
- AES-256 at rest + TLS 1.2+ in transit
- No ads, no data sales, no advisory upsells
What each tool actually covers
| Tool | Spending | Investments | Crypto | Tax | Planning | AI |
|---|---|---|---|---|---|---|
| Budgeting apps | — | — | — | — | ||
| Broker dashboards | — | — | — | — | — | |
| Wallet trackers | — | — | — | — | — | |
| Spreadsheets | — | |||||
| Clarity |
Coverage reflects the dominant offering of each category as of the last review date. Individual tools may differ; this is a comparison of categories, not specific competitors. Last reviewed .
Inside the app
Inspect the core screens people use for weekly reviews, cash flow visibility, market context, and AI analysis.
Transactions
Search and review activity across every connected source
Bank, card, brokerage, exchange, and wallet transactions in one layer. Auto-categorized, splittable, and searchable by merchant, category, amount, date — or semantically.
Budgets
Track budget health against real synced spending
Budgets pull from your actual transaction flow. Each category shows spent vs. remaining with a daily allowance that adjusts as the month progresses. Pacing indicators flag overspend risk before month-end.
Calendar
Bills, payroll, and spending patterns on an actual calendar
Upcoming cash movement plotted in time — bill due dates, expected payroll, and daily spending intensity. See cash flow bottlenecks before they hit.
Flow
A sankey-style view of where money actually goes
Spending routes from accounts through categories to merchants — the full path, not just totals. Spot that 40% of dining comes from one delivery app at a glance.
Ask AI
Ask questions against your own data, not a generic chatbot
AI grounded in your actual balances, spending history, and holdings. Ask "why did my cash drop" and get an answer referencing your specific accounts, amounts, and dates.
Net worth
One number across every account, with runway and allocation
Cash, debt, retirement, brokerage, crypto, and real estate consolidated into one net worth figure. Allocation sunburst drills down to the holding. Cash runway updates as balances move.
Investing
Every asset class in one portfolio view
Stocks, ETFs, crypto, DeFi positions, NFTs, and real estate — one allocation view, one unified cost basis, one time-weighted return spanning all of it.
Crypto
Exchanges, self-custody, 40+ chains, and DeFi — unified
Read-only exchange APIs plus public-address wallet tracking across 40+ chains. DeFi positions on Aave, Compound, Lido, Uniswap. Bridge transfers auto-matched so they never look like trades.
Taxes
Cost basis, wash-sale risk, and Form 8949 — ready year-round
Lot-level cost basis with FIFO, LIFO, HIFO, and specific-ID support. Wash-sale risk surfaces across every brokerage and exchange. Quarterly estimates and the full 8949 packet are ready to export, not reconstructed in April.
AI and search
An AI agent that knows your actual accounts.
Ask Clarity has 55+ tools into your portfolio, transactions, and tax history — so answers reference your specific balances and holdings, not generic advice.
Ask Clarity
An AI agent with 55+ tools into your portfolio, transactions, taxes, and markets. Ask a question, get an answer grounded in your specific accounts and holdings — with sources cited.
Semantic transaction search
Find "that expensive dinner in December" without knowing the merchant name. Matches by meaning across merchant names, categories, amounts, and dates.
Equity research router
Ask about any ticker — Clarity pulls fundamentals, recent filings, and comparable metrics across up to three symbols at once, structured for decision-making.
Explore by pillar
Activity
Every transaction, every recurring charge, and every dollar flowing in and out — across every account, in one feed.
Portfolio
Everything you own and everything you owe — stocks, crypto, DeFi, NFTs, real estate, cash, mortgages — in one allocation, one net worth, one return.
Planning
Taxes, insurance, and life events — the decisions that compound. Modeled against your real balances, not assumptions.
Ask Clarity
An AI agent with 55+ tools into your portfolio, transactions, taxes, and market data. Answers cite your actual balances.
Coverage and trust
12,000+
Financial institutions
130+
Crypto exchanges
40+
Blockchains
100,000+
Stocks, ETFs, crypto, and FX tracked
How it works
- 01
Connect your banks, brokerages, exchanges, and wallets (takes 2 minutes).
- 02
See net worth, cash flow, cost basis, and allocation from the same current picture.
- 03
Ask AI what changed, what matters, or what a decision would affect.
- 04
Move on the plan — set a goal, prep exports, or review the next action.
Trust model
- Read-only connections — Clarity can see your accounts but never move your money.
- AES-256 at rest, TLS 1.2+ in transit — synced account data, reports, and AI workflows are encrypted end to end.
- No ads, no data sales, no advisory upsells. You pay for the product, not with your privacy.
Explore by search intent
Use the page that matches the question you are actually evaluating: category fit, investor fit, all-account aggregation, net worth, or spending.
01
One review instead of five apps
Sunday morning, one tab. Spending, investments, crypto, and upcoming bills — already reconciled.
- Every bank, brokerage, and wallet balance updates automatically
- Transactions categorized across all accounts — no manual rules
- Weekly review takes minutes, not the morning
02
See what changed this week
New charges, spending spikes, and recurring bills — surfaced before you have to go looking.
- Every card and bank account in one feed, searchable and categorized
- Recurring charges flagged automatically — price increases included
- Spending connected to your net worth, not isolated in a bank app
03
Tax season without the scramble
Cost basis updates with every trade. Gains and losses are ready to export — not reconstructed in April.
- Capital gains tracked across crypto and equities as you trade
- Pre-filled Form 8949, Schedule D, and Schedule 1 exports
- Tax documents from every institution collected in one place
04
Your real net worth — not what one bank shows
Cash, debt, retirement, brokerage, and crypto balances in one number you can actually trust.
- Every account type — checking, IRA, 401k, crypto, mortgage — in one view
- Net worth over time: daily, monthly, or since you started
- Allocation and concentration visible at a glance
Searching for a specific tracker?
The product page covers what's inside Clarity. If you came here from a category search, jump to the matching landing.
- Spending tracker
For "spending tracker"
For the generic spending-tracker search. The product page covers what's inside Clarity; this landing addresses the category query directly.
- Net worth tracker
For "net worth tracker"
Across checking, brokerage, retirement, crypto, and real estate — framed for the net-worth-tracker search.
- Portfolio tracker
For "portfolio tracker"
Stocks, ETFs, crypto, and cash — framed for the all-asset portfolio-tracker search.
- Crypto portfolio tracker
For "crypto portfolio tracker"
Exchanges, wallets, chains, and DeFi — framed for the crypto-portfolio-tracker search.
- Crypto tax tracker
For "crypto tax tracker"
Form 8949 across exchanges and wallets — framed for the crypto-tax-tracker search.
- AI personal finance
For "ai personal finance"
Answers from your real accounts — framed for the AI-personal-finance search.
Frequently Asked Questions
It is the full product overview: core surfaces, specialized workflows, AI analysis, coverage, and the trust model behind Clarity. The money-tracking, investor, and all-account pages are narrower entry points for those specific searches.
Yes. You can inspect the demo with sample data first, then subscribe when the product looks like a fit. Every plan ships with a 30-day money-back guarantee, so you can connect your accounts and try the full product risk-free.
Clarity is $179/year or $19/month. This page is meant to show what is included before you decide which billing option fits.
Yes. Clarity can analyze synced accounts, but it cannot move money. The product is built for visibility, planning, and reporting rather than money movement.
Clarity supports 12,000+ institutions plus 130+ exchanges and 40+ blockchains so spending, net worth, portfolios, taxes, and planning share one current picture.
See it with your own accounts.
Connect your banks, brokerages, exchanges, and wallets — or compare plans before you start.