A 1% AUM advisor on $500k = ~$5,000/yr. Clarity Core starts at $12/mo.

Flat-fee pricing. No AUM. No advisor calls.

One read-only workspace for your accounts, records, and recurring charges. Plans from $12/mo with a 30-day money-back guarantee.

12,000+ institutions
Read-only connections
AES-256 + TLS 1.2+

Reviewed by Clarity Editorial

Clarity uses flat-fee subscription pricing — no assets-under-management percentage, no per-transaction fees, and no free tier. Every paid plan bills monthly or annually and ships with a 30-day money-back guarantee. Pricing scales by household size and the number of bank, brokerage, and wallet connections you bring, not by your net worth.

Flat-fee workspace.No portfolio percentage.

Every paid plan includes read-only account monitoring, AI answers with citations, exports, and a 30-day money-back guarantee. Pick the plan that matches how you useClarity — or get Wealth for everything.

Good fit

You want a 24/7 monitor for account changes, recurring charges, and records.
You manage money solo, with a partner, or across a household.
You want read-only alerts and cited answers without giving anyone control of your money.

Not a fit

You want someone to actively trade or rebalance your portfolio.
You're shopping for an envelope-style budgeting app.
You won't connect read-only access — that's the whole product.

Save up to 22%

Clarity

Solo or couple with a checking account and a brokerage.

$12/mo· billed $144/yr

Full access · cancel anytime · 30-day refund

$144/yr billed annually — or $15/mo month-to-month

Save $36/yr vs monthly

Start Clarity

$15/mo or $144/yr. Cancel anytime.

30-day money-back guarantee

8 banks/brokerages, 2 wallets, 200 AI messages/mo
2 household member logins
Read-only sync for accounts, balances, recurring charges, and records
AI chat with citations to your transactions
Recurring detection, budgets, goals, debt payoff
PDF + CSV exports · 30-min sync

Most popular

Clarity Pro

Active investor with taxable brokerage, RSUs, self-employment income, or crypto across wallets and DeFi.

$23/mo· billed $279/yr

Full access · cancel anytime · 30-day refund

$279/yr billed annually — or $29/mo month-to-month

Save $69/yr vs monthly

Start Clarity Pro

$29/mo or $279/yr. Cancel anytime.

30-day money-back guarantee

15 banks/brokerages, 20 wallets, 500 AI messages/mo
4 household member logins
Everything in Core, plus tax + crypto coverage
Wash-sale tracking + tax-loss harvesting across every brokerage
Year-end tax packet export · quarterly estimates
DeFi positions, cross-chain bridge matching, NFT holdings
Equity research router · drawdown simulator

Clarity Wealth

Household with crypto, taxable investing, and multi-member access.

$46/mo· billed $549/yr

Full access · cancel anytime · 30-day refund

$549/yr billed annually — or $59/mo month-to-month

Save $159/yr vs monthly

Start Clarity Wealth

$59/mo or $549/yr. Cancel anytime.

30-day money-back guarantee

25 banks/brokerages, 30 wallets, 2000 AI messages/mo
6 household member logins
Everything in Pro
25 banks included, 30 wallets included
6 household member logins
2,000 AI messages/mo
Concierge onboarding (45-min setup call)

Need more connections? Extra banks are +$2/mo each; extra wallets are +$1/mo each, up to each plan's cap. AI credits top up from $10/mo per 1,000 credits.

See full comparison

Feature	Clarity $12/mo	Pro $23/mo	Wealth $46/mo
Plan limits
Banks / brokerages included (max)	8 (20)	15 (30)	25 (50)
Wallets included (max)	2 (8)	20 (50)	30 (100)
Household member logins	2	4	6
AI messages / month	200	500	2000
Activity (daily money)
Recurring charge detection
Spending Flow (Sankey)
Calendar heatmap
Budgets that pace
Internal transfer separation
Stale-connection + price-hike alerts
Portfolio
Equities, ETFs, mutual funds, fixed income
Crypto exchange + wallet holdings
DeFi positions
Cross-chain bridge matching
NFT holdings + floor pricing
Real estate + alternatives
Allocation sunburst
Planning & tax
Savings goals + debt payoff
Insurance gap analysis (paused)
Cost basis (single-account)
Cost basis with lot selection
Wash-sale awareness across brokerages
Tax-loss harvesting suggestions
Quarterly estimated tax calculator
Year-end tax packet export
Retirement drawdown simulator
Life-event modeling
AI
AI chat grounded in your accounts
Tax document imports
Equity research router
Platform & API
Exports (PDF + CSV)
30-min priority sync
Connected AI clients (paused)
Concierge onboarding (45-min setup)

Read-only connections · 30-day money-back guarantee · Cancel anytime

Straight answers beforeyou connect your money.

Who it's for, what you're approving, how it compares, and where Clarity stops.

Clarity is for one person, or a couple, who wants the money picture watched in the background. Connect the accounts and records you already use, then let Clarity surface what changed: recurring charges, stale connections, unusual cash flow, missing records, deadline windows, and questions worth reviewing. Workspace tour.

Read-only access to external accounts — we can see balances and transactions but can't move money or see your bank password. Encrypted in transit (TLS 1.2+) and at rest (AES-256). AI queries route through Vercel AI Gateway to Anthropic, with OpenAI available for fallback routing or other provider-enabled features; API/business terms exclude your data from general model training. Security overview · Privacy Policy.

Three flat-fee plans, every one with a 30-day money-back guarantee. Clarity Core ($15/mo or $144/yr) is the general workspace — banks, wallets, recurring detection, AI chat. Clarity Pro ($29/mo or $279/yr) adds wash-sale tracking, tax-loss harvesting, quarterly estimates, the year-end tax packet, DeFi positions, cross-chain bridge matching, and NFT holdings. Clarity Wealth ($59/mo or $549/yr) bundles everything for households with bigger account counts and concierge onboarding. Extra banks +$2/mo each; extra wallets +$1/mo each. Compare plans.