Planning
The decisions that compound — modeled on your actual money.
Cost basis and wash-sale risk update with every trade. Quarterly estimates ready by Q1, not April. Insurance coverage tracked alongside the assets it protects. Major life events — housing, kids, retirement — modeled against synced balances.
- Wash-sale detection across every brokerage, not just one account
- Lot-level cost basis with FIFO, LIFO, HIFO, and specific-ID
- Life events modeled on your real balances
- Insurance gaps flagged against the assets at risk
Inside planning
Cost basis across every account
Lot-level tracking with FIFO, LIFO, HIFO, and specific-ID. Updates with every trade — equities and crypto in the same engine.
Wash-sale awareness across brokerages
Wash-sale risk calculated across every connected brokerage and crypto exchange — a common blind spot when using a single broker's export.
Tax-loss harvesting
Scans unrealized losses continuously, estimates federal and state tax impact using your bracket, and surfaces harvestable lots before year-end.
Quarterly estimate calculator
Updates your safe-harbor quarterly estimates as income and gains change through the year. No end-of-year surprises.
Tax packet export
Pre-filled Form 8949, Schedule D, and a clean tax packet to hand off to your CPA or import into TurboTax.
Savings goals
Down payment, emergency fund, college, sabbatical. Targets sit on top of your real account balances and update as money moves — no separate envelope to maintain.
Debt payoff plans
Avalanche or snowball strategies modeled on your real card balances and APRs. Payoff dates, total interest, and the impact of extra payments — recomputed daily.
Life-event modeling
Run the math on a house purchase, a kid, early retirement, or a job change against your real balances — not assumed numbers from a generic calculator.
Drawdown simulator
Withdrawals modeled across taxable → traditional → Roth using your actual holdings. Sequence-of-returns and inflation stresses optional.
Insurance coverage
Term life, disability, umbrella, and homeowner coverage tracked next to the assets and income they protect. Gaps flagged.
Every Clarity surface
The full set of pillars. Each one is part of the same read-only workspace.
Frequently Asked Questions
No. Clarity prepares your tax packet — Form 8949, Schedule D, and a summary — for you or your CPA to file. It integrates with common filing software.
Start with planning. Get the whole picture.
Connect your banks, brokerages, exchanges, and wallets — or see all six surfaces before you start.