Spending
A spending tracker connected to the bigger picture
Transactions, merchants, recurring bills, budgets, and cash flow — connected to net worth, investments, taxes, and planning. Spending that isn't trapped in a budgeting-only tool.
- 12,000+ institutions
- Read-only account connections
- Bank-level encryption
Why spending tracking alone isn't enough
Transaction visibility matters most when it helps explain what changed in your broader financial system.
A bank feed alone doesn't explain how spending affects net worth and portfolio decisions.
Recurring charges, merchant patterns, and anomaly detection matter more than static category lists.
Cash-flow context gets more useful when it is connected to taxes, planning, and account aggregation.
What the spending layer already includes
Clarity goes well beyond a simple transaction list.
Transactions and merchants
Search, categorization, merchant clustering, duplicates, splits, and bulk operations already exist in the app.
Recurring and cash flow
Recurring detection, subscription-style patterns, and cash-flow forecasting connect spending to forward-looking decisions.
Investor context
Spending becomes more useful when it shares a system with holdings, net worth, and tax workflows.
Related pages
Spending tracking connects to every other part of your financial picture.
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
Frequently Asked Questions
Does the spending tracker handle recurring bills and merchants, not just categories?
Yes. Clarity tracks transactions, merchants, recurring charges, cash flow, and budget context rather than showing only a static category list.
Is spending connected to the rest of my finances?
Yes. Spending lives in the same system as net worth, holdings, taxes, and planning, which is why it is more useful than a budgeting-only tool.
Can I use it if my money is spread across multiple accounts?
Yes. The spending layer pulls from the broader account aggregation system, so you review activity once instead of by institution.
When should I use this page instead of the product overview?
Use this page when your search starts with spending tracking or recurring bills. Use the product overview when you want the full product walkthrough.
Useful next steps
See the product, compare alternatives, or explore the workflows around spending.
Track spending in the same place you review the rest of your financial system
Clarity connects daily transactions to net worth, investing, planning, and reporting so the spending layer is useful to people who outgrew bank feeds and budgeting-only apps.