Your spending, plotted on the calendar it actually happened on.

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.

A monthly report tells you what happened. The calendar tells you when. You see that Fridays cost double what Tuesdays cost, that rent and the gym charge land the same day, and that the third week of every month is the expensive one — patterns no monthly total ever surfaces.

Yes. Detected recurring charges show as small dots on their expected dates so you can see the bill calendar at a glance — and pay deposits show on the days they hit. Click any day to drill into the underlying transactions.

Yes. The heatmap aggregates every connected bank, card, and brokerage cash account. Filter by account or category to compare — for example, just the joint card, just dining, or just last quarter.

Scroll back month by month to compare year-over-year. December heat next to last December's heat. The same view, just shifted by 12 months — useful for catching gradual lifestyle creep.

Refunds are netted into the day they posted; internal transfers are excluded so a card payment from checking doesn't double-count as spend. The day-level intensity is real outflow, not movement.