Everything you'd ask before connecting your first account.

No. Clarity is read-only by architecture for external financial accounts — there is no code path that can move funds, place a trade, or change account settings at your institutions. We can see balances, transactions, and holdings; we cannot act on them.

We also never see your bank password. When you connect a bank, brokerage, or credit card, you authenticate inside Plaid or SnapTrade and receive a read-only authorization that we encrypt and store.

Data is encrypted in transit (TLS 1.2+) and at rest (AES-256). The API keys and tokens we use to talk to your banks and exchanges are encrypted at the application layer before we store them, on top of the encryption the database itself provides. Production secrets are not stored in source control.

We do not sell your personal information, and we do not use financial account contents for advertising. Third parties that may touch user data include the service providers that keep Clarity running (Plaid, SnapTrade, Alchemy, Zerion, Helius, Blockstream, Infisical, Stripe, PostHog, Anthropic/OpenAI through Vercel AI Gateway, Brandfetch, Google where enabled, and our cloud hosts). External AI/MCP clients are paused for public launch. Security overview · Privacy Policy.

No. When you connect a bank, brokerage, or credit card, you authenticate inside Plaid or SnapTrade — we never see your username or password.

The provider returns a read-only authorization that we encrypt and store. That authorization lets us pull your balances, transactions, and holdings, but it cannot move money, place trades, or change anything on the account.

If you disconnect an account from Clarity, the authorization is revoked where the provider supports revocation and removed from Clarity.

No. AI queries route through Vercel AI Gateway to Anthropic by default, with OpenAI available for configured fallback routing or other provider-enabled features. Their API/business terms exclude customer API data from general model training.

We also minimize what gets sent. Each query includes your message plus a limited context summary selected for that request, and narrower tool results only when needed. Depending on the question, the summary may include date, account, spending, budget, tax, quiz, or saved-memory context; unrelated sections are left out. We send a one-way pseudonymous Clarity user identifier as abuse-prevention metadata. We do not intentionally send encrypted credentials, auth secrets, raw account numbers, or unrelated infrastructure telemetry to model providers.

For reference, the AI assistant is included on both paid plans: 200 messages a month on Pro, 2000 on Wealth. How the AI works · Data handling.

No. We don't sell your personal information. We also don't disclose financial account contents to advertisers.

We share data with the service providers that operate Clarity: Plaid and SnapTrade for account connectivity, Alchemy, Zerion, Helius, and Blockstream for wallet data, Infisical for secrets management, Stripe for billing, PostHog and Google Analytics when analytics consent is granted, Anthropic/OpenAI through Vercel AI Gateway for AI chat, Brandfetch for logos, and the cloud platforms that host the app and database. The full subprocessor list is published in our Privacy Policy.

Under the Gramm-Leach-Bliley Act, we don't disclose your nonpublic personal information to non-affiliated third parties for their own marketing. Privacy Policy.

As of early 2026, Clarity has not completed a SOC 2 attestation. We maintain administrative, technical, and physical controls aligned to the SOC 2 Trust Services Criteria — access management, encryption, change control, monitoring, vendor review, and incident response — but we don't claim a certification we haven't earned.

What we'd rather you check: Clarity can't move your money, can't see your bank password, and doesn't sell your data. SOC 2 doesn't change any of those — those are architectural, not procedural.

Progress updates live on the Security page. Security overview.

Pick any of Clarity's three paid plans (Core, Pro, Wealth) and choose monthly or annual billing at checkout. You get the full plan — every account connection, every feature, AI messages, exports — immediately after checkout. You can cancel anytime from Settings.

Every plan includes a 30-day money-back guarantee — if Clarity doesn't earn its keep, email us within 30 days of your first invoice and we refund in full. See all tiers.

No. Clarity is a paid read-only workspace for people who will actually use it after setup: review net worth and cash flow, catch recurring charges, ask questions across accounts, and export what they need. If you only want a free dashboard to check once, we're probably not the right fit.

Every plan ships with a 30-day money-back guarantee — connect your accounts, try the full product, and if it doesn't earn its keep, email within 30 days of your first invoice for a refund. See all tiers.

A 1% AUM advisor on a $500k portfolio is $5,000/year. Clarity Wealth is $549/year — flat, regardless of account size. We don't hold or move your money; Clarity gives you a read-only workspace for seeing what is happening.

Three flat-fee plans, every one with a 30-day money-back guarantee:

Clarity Core is $15/month or $144/year — the general workspace for one person or a household sharing a balance sheet across banks, brokerages, and a few wallets. 8 banks, 2 wallets, 200 AI messages/month, recurring detection, budgets, exports.

Clarity Pro is $29/month or $279/year — for active investors with taxable brokerage accounts, RSUs, self-employment income, or crypto across wallets and DeFi. Everything in Core plus wash-sale tracking across brokerages, tax-loss harvesting suggestions, quarterly estimate calculator, year-end tax packet export, DeFi position tracking, cross-chain bridge matching, NFT floor pricing, and 20 included wallets.

Clarity Wealth is $59/month or $549/year — everything in Pro, sized for households. 25 banks, 30 wallets, 6 household member logins, 2000 AI messages/month, concierge onboarding.

If the bundled connections are enough, your bill stays simple. If you need more, extra connections are $2/month per bank/brokerage and $1/month per wallet, with a cap so the bill can't run away from you. Compare plans.

Yes — anytime, from Settings.

Cancellation takes effect at the end of the current billing period. You keep paid-feature access until that date, and we don't issue partial refunds for the unused portion.

New subscribers get a 30-day money-back guarantee on their first paid subscription. Most people know inside the first week whether Clarity is going to stick: connect accounts, review recurring charges, ask a few questions in AI, and export once if that's part of your workflow. If it doesn't earn its keep, email us within 30 days and we'll refund in full. Renewals and tier changes don't qualify for the guarantee.

Your historical data stays in your account after you cancel — automatic syncing pauses but nothing gets deleted until you ask us to. You can re-subscribe and pick up where you left off. Full refund policy.

Upgrades take effect immediately and bill prorated for the rest of the period. Downgrades take effect at the next renewal — you keep the higher tier's features until then.

If you downgrade past your connection count (for example, from Wealth's 25 banks to Pro's 8), the extra connections are paused, not deleted. Reconnect or upgrade later and they pick up where they left off.

Tier changes don't reset the 30-day money-back window — that applies only to your first paid subscription. Compare plans.

Almost certainly. We connect through Plaid to 12,000+ US and Canadian banks, credit unions, and brokerages.

That covers every major institution (Chase, Bank of America, Wells Fargo, Citi, Capital One, US Bank, PNC, TD, Fidelity, Schwab, Vanguard, Robinhood, E*Trade, Coinbase via brokerage, and on down) plus a long tail of regionals, community banks, and credit unions.

If the bank is on Plaid's coverage list and supports the data type you need (transactions, balances, investments, liabilities), Clarity can connect.

Three ways to connect, all read-only.

Banks and brokerages go through Plaid or SnapTrade. You log in inside the provider's flow — your username and password never touch Clarity. The provider returns a read-only authorization, which we encrypt and store, that lets us pull balances, transactions, and holdings.

Crypto exchanges connect with read-only API keys you create on the exchange itself (Coinbase, Kraken, Binance, etc.) or through SnapTrade where supported. We require read-only scopes and encrypt the key before storing it. The key cannot place trades or withdraw funds.

On-chain wallets connect by public address — we never ask for private keys or seed phrases. Anything visible on a blockchain explorer is visible to Clarity through providers such as Alchemy and Zerion. Anything that requires signing (transactions, transfers) is impossible without your wallet.

Disconnect any rail from settings and the credential is revoked where the provider supports revocation and removed from Clarity.

130+ crypto exchanges via read-only API keys, and on-chain wallets across 40+ blockchains.

Exchange coverage includes the majors (Coinbase, Kraken, Binance, Gemini, Bitstamp, Bitfinex, KuCoin) plus dozens of regional and derivatives-focused venues. All exchange connections require a read-only API key you create yourself — we cannot place trades or move funds.

On-chain coverage spans Ethereum, Bitcoin, Solana, Polygon, Arbitrum, Optimism, Base, Avalanche, and 30+ more. Wallet addresses pull native balances, ERC-20 / SPL token holdings, and DeFi positions across major lending and liquidity protocols. Crypto portfolio · DeFi tracker.

Yes — manual entries are first-class. You can add anything that doesn't have a Plaid connection or live API: a primary or investment home, vehicles, art, watches, wine, trading cards, precious metals, pre-IPO equity, private fund stakes, and cash held outside an account.

Each manual entry has a name, an asset class, an optional acquisition date and cost, and a current value with an "as of" timestamp. Update the value whenever you want and Clarity recomputes your net worth.

Manual entries roll into the same balance sheet, exposure, and net-worth view as your connected accounts — they don't sit in a separate silo. Net worth tracker.

On every paid plan, automatic syncs run every 30 minutes in the background and you can trigger an on-demand sync from any account.

Plaid itself controls how fresh each institution's data is — most banks update transactions overnight, some throughout the day. Crypto exchanges and on-chain wallets update in near-real-time on demand because we hit those APIs directly.

If an institution drops the connection (Plaid calls this a "re-auth"), we'll prompt you to reconnect and the data picks up where it left off.

One feed across every connected bank and card.

Transactions flow in from every institution — checking accounts, savings accounts, credit cards, even some debit-style brokerage cards — into a single stream. They're auto-categorized on arrival using merchant data and pattern matching, with recurring charges and merchant rollups surfaced automatically.

Override any category and the rule applies to past and future transactions across every account, not just the one you're looking at. The same logic powers the Sankey cash-flow view, recurring detection, and budget tracking. Spending tracker · Multi-account budgeting.

We detect recurring charges automatically from transaction patterns — same merchant, similar amount, predictable cadence.

That includes obvious subscriptions (Netflix, Spotify, gym memberships) plus the less obvious ones: annual domain renewals, quarterly tax payments, irregular but predictable charges from contractors or services. New recurring patterns get flagged when they first appear.

You can mark anything as "not recurring" to hide it from the list, or pin charges as recurring even if the pattern is noisy. Spending tracker.

Yes — investing tools are optional.

Connect only your banks and credit cards for cash flow, recurring spend, and liabilities. Add manual entries for homes, vehicles, and other illiquid assets so net worth reflects the whole picture. The portfolio, crypto, and tax features stay out of your way until you want them.

Many users live in the Money and Net Worth tabs full-time and never open the investing surfaces. Net worth tracker.

Yes — Clarity includes budgeting that works across every connected account, not just one bank.

Set budgets by category (groceries, dining, travel) or by goal (save for a down payment, pay off a card). Spending rolls in from every connected institution in the same feed, so a budget for "groceries" tracks Whole Foods on your Amex and Trader Joe's on your Chase card together — without you having to split them across apps.

Budgets are a free-tier feature; automatic syncing is what gates to paid. Multi-account budgeting.

Every account you have, in one workspace — including the ones nobody else tracks.

Banks, brokerages, 401(k)/IRA/HSA, crypto exchanges, and on-chain wallets connect automatically. Homes, vehicles, art, precious metals, and pre-IPO equity get added manually.

Detail is preserved, not summarized away: every transaction stays itemized, every lot is tracked with its cost basis (FIFO accounting), and households can share one workspace with owner, admin, and viewer roles. Workspace tour.

Clarity tracks cost basis at the lot level using FIFO (first-in, first-out) accounting.

That means when you sell, the oldest shares are matched to the sale first, and the resulting gain or loss reflects what you actually paid for those specific shares — not an estimate.

Lot-level cost basis matters at scale. For high-balance investors, it's the difference between "your broker says you have a $40k unrealized gain" and "your actual gain is $40k, here's exactly which lots created it, and here are the losses you could harvest without crossing the wash-sale rule." Portfolio tracker.

Yes — 401(k), 403(b), IRA (Traditional, Roth, SEP, SIMPLE), HSA, and pension accounts all connect through Plaid where the custodian supports it.

We pull contributions, employer matches, holdings, and performance — and roll them into your overall net worth alongside taxable accounts. Tax-advantaged contribution limits and remaining capacity for the year are surfaced automatically. Retirement tracker.

Everything you connect, plus everything you add manually.

Assets: bank balances, brokerage and retirement holdings (priced live), crypto exchange balances and on-chain wallet positions, plus manual entries for real estate, vehicles, art, precious metals, pre-IPO equity, and any other illiquid asset.

Liabilities: credit card balances, mortgages, HELOCs, student loans, auto loans, margin loans, and any manual liabilities you add. Net worth is the difference, computed live as your accounts update. Net worth tracker.

Clarity surfaces quarterly tax estimates as your income changes, lists unrealized-loss lots you may want to review with your CPA or tax professional before year-end, and reconciles 1099-DA forms against your actual on-chain activity to flag broker-reported discrepancies.

Pro and Wealth add OCR for 1099, W-2, and other tax documents - drop a PDF in and the values get parsed and added to your tax picture. Tax features · Crypto tax tracker.

No. Clarity is software, not a tax advisor or financial advisor. The reports, estimates, and unrealized-loss lot lists we generate are informational - they're meant to make conversations with your CPA or planner faster, not replace them.

We surface what your accounts show. You and a qualified professional decide what to do about it.

Starting with the 2025 tax year, US crypto brokers issue Form 1099-DA reporting your digital asset proceeds and basis to the IRS.

Broker-reported basis is frequently wrong — especially across exchanges, after transfers, or with DeFi activity — because the broker doesn't see your full history. Clarity compares what the broker reported against your actual on-chain and exchange activity at the lot level and flags discrepancies, so phantom gains don't become an unexpected tax bill. Crypto tax tracker.

General AI assistants can answer questions, and some can connect to outside data sources when you authorize them. Clarity's difference is the underlying read-only ledger: bank and brokerage transactions, crypto exchange positions, on-chain wallets, lots, and manual records are normalized in one place before the AI answers. That lets Clarity cite answers back to source records, run cost-basis and 1099-DA workflows, and keep anomaly checks running in the background, not only when you ask.

Clarity's AI works from the same ledger you use in the app: transactions, positions, lots, and manual entries where they are relevant to the task. It also runs anomaly checks across connected accounts in the background, daily, not just when you ask.

Queries are scoped through Clarity's retrieval and tool-calling layer: each one sends your message plus a limited context summary selected for the request, and narrower tool results only when needed. Depending on the question, unrelated account, spending, budget, tax, quiz, or saved-memory sections are left out.

AI requests route through Vercel AI Gateway. Anthropic is the primary LLM provider; OpenAI may be used for configured fallback routing or other provider-enabled features. Your data isn't used to train their general-purpose models under their API/business terms, limited provider abuse-monitoring retention may apply, and a one-way pseudonymous Clarity user identifier is sent as abuse-prevention metadata.

It's a paid feature: 200 messages a month on Pro, 2000 on Wealth. How the AI works.

Anything you'd ask a careful, math-literate recordkeeper with read-only access to your accounts. A few examples:

- "Where did my money actually go last month?" - "What subscriptions am I paying for that I forgot about?" - "How much have I made on AAPL since I first bought it?" - "Which unrealized-loss lots could I review with my CPA before year-end?" - "What records would my CPA need to estimate Q2 taxes if I were considering a sale?"

Answers come from your connected accounts and manual entries, not from generic web advice. They are informational estimates for review; Clarity is not a financial adviser, tax adviser, broker, or fiduciary, and it does not tell you to buy, sell, hold, trade, or harvest losses. How the AI works.

You keep it.

Cancelling pauses automatic syncing — your financial history stays in your account, and owner/admin household users can export a JSON backup anytime (the same portability export we use for GDPR Article 20, with secrets, vendor-side records, and Ask AI transcript history excluded as described in the manifest).

When you delete the account, integration credentials (Plaid tokens, SnapTrade user secrets, exchange API keys, and similar provider authorizations) are revoked where supported and removed on the deletion timeline, and the rest of your data is typically deleted within 30 days. Some records may be retained longer where we're legally required to keep them (tax or fraud-prevention purposes). Your privacy rights.

Yes. Owner and admin users in a Household Account can request a machine-readable JSON backup anytime — transactions, holdings, categories, merchants, budgets, goals, account identifiers, billing status, recent audit entries, and export metadata are included. Viewer-role household members can read household data in the product but cannot export a complete household backup. Encrypted credentials, auth secrets, vendor-side records, infrastructure telemetry, and Ask AI transcript history are redacted or omitted in the export manifest. This is the portability export we use for GDPR Article 20 requests.

Formatted reports (PDF) and category-level CSV exports are paid-tier features available on Pro and Wealth. Your privacy rights.

Your data is portable on day one, not day last. Owner and admin household users can request a JSON backup anytime — transactions, holdings, lots, categories, budgets, goals, account identifiers, and a manifest that lists redactions and omissions. The export is the same one we issue for GDPR Article 20 portability requests, and it's structured to be re-importable into another tool where the receiving tool supports the same fields.

Clarity is bootstrapped, not VC-runway dependent. There is no clock ticking on a fundraise. But the portability commitment is independent of business outcome: owner/admin users can pull the household export without asking, before, during, or after any wind-down. Your privacy rights.

Yes. Account holders can invite household members to share financial visibility within a single Clarity household workspace.

Each household member has their own login. Owner and admin roles can manage workspace data and members; viewer roles can read household data. Clarity does not currently provide per-account or per-transaction visibility controls inside a household. Removing a member revokes their access immediately. Household members are subject to the same Terms of Service and Acceptable Use policies as the account owner. Terms of Service.

Yes. Clarity ships a native iOS app for iPhone and iPad with App Clip support, Face ID gating, and the same household ledger as the web workspace — link accounts once, see them everywhere. The app is read-only on every surface (it cannot move money or place trades) and reuses your web subscription, so there's no separate iOS price. iOS app details · Full details, comparison against Monarch/Copilot/Empower, and download links.

Email us through the contact page and we'll get back to you within one business day on most questions, sooner for billing or security issues. Pro and Wealth subscribers get prioritized response times. Contact us · Contact.

If you have one checking account and a credit card, use Monarch. If you have six logins, two spouses, a 401(k), and a Coinbase account, that's Clarity.

Monarch, Copilot, YNAB, and Rocket Money are great spending trackers — none of them does the full balance sheet. Monarch handles shared budgeting well but skips crypto exchanges, on-chain wallets, and DeFi. Copilot has a beautiful iOS spending UI without real investing or crypto depth. YNAB is best-in-class envelope budgeting and doesn't try to be a net worth or portfolio tool. Rocket Money is closer to a subscription killer with a spending feed bolted on.

Clarity adds lot-level cost basis, on-chain positions across 40+ chains, tax-form reconciliation that catches what brokers miss, and an AI assistant that answers questions using your actual data — every answer cited to a specific transaction. Pricing is published from the live source, so figures don't go stale in a screenshot. Side-by-side comparisons · Browse side-by-side comparison guides.

Spreadsheets are powerful — until you transfer money, change a holding, or open a new account. Then you have to update every formula.

Clarity stays current automatically: balances, transactions, and holdings sync from your accounts; cost basis is recomputed when you trade; net worth updates live. You can still export everything to JSON or CSV when you need a spreadsheet for a specific analysis.

If you're already happy with a spreadsheet, Clarity is still worth keeping in your toolkit for the parts spreadsheets are bad at — recurring detection, live crypto pricing across chains, and tax-document OCR. Every plan ships with a 30-day money-back guarantee. Workspace tour.