ClarityTrack pricing
ClarityTrack Personal is $9.99 per month or $99 per year. The yearly plan saves about $21 per year. Every new personal subscription includes a 30-day free trial. You can cancel any time.
ClarityTrack Business is $29 per month, or $199 per year for the founding cohort. It is the same product as Personal, with more room in it, priced for people running a business through ClarityTrack. See Business pricing below.
What is included
Both personal plans include the same features:
- Manual debt entry and CSV import
- Bank connection via Plaid (up to as many institutions as you have)
- Brokerage holdings tracking
- Automatic transaction sync
- Avalanche and snowball payoff strategies
- Ahead, on track, or behind status on every goal
- Clarity AI assistant
- Journal entries with tags and attachments
- Email digest (opt-in)
There is no feature differentiation between monthly and yearly on the personal plan. The only difference is the billing cadence.
Business pricing
ClarityTrack Business is $29 per month, or $199 per year for the founding cohort. The founding yearly rate is limited to the first 100 ClarityTrack subscribers and is locked in permanently. Once those places are taken, the yearly price is $290.
Business is the same product as Personal, with more room in it. Separate business and personal contexts, each with its own accounts and its own totals and transactions movable between them, work on either plan. What changes is how many you get:
| Personal | Business | |
|---|---|---|
| Financial contexts | 2 | 5 |
| Connected Gmail inboxes | 2 | 5 |
Business is the plan to choose when you are running a business through ClarityTrack. It covers your personal finances as well, so it is one subscription rather than two.
If you are already over a limit, nothing is taken away. The limits apply when you add something new, so existing contexts and inboxes keep working.
The founding cohort adds two things on top:
- The founding rate of $199 per year, locked in permanently for the first 100 ClarityTrack subscribers
- Direct access to the product team, with founding members shaping what gets built next
Common questions
Is there a free tier?
No, but there is a 30-day free trial on both personal plans. See getting-started/free-trial. You can also try the demo workspace without signing up at all.
Can I switch between monthly and yearly?
Yes, any time, with proration. See billing/switch-plan.
Do you offer a discount for annual?
The personal annual plan is already discounted compared to paying monthly for a year. Monthly is $9.99 x 12 = $119.88. Annual is $99, saving you $20.88. On Business, monthly is $29 x 12 = $348, and the $199 founding yearly rate saves you $149.
Which plan do I need?
Both plans include the same capabilities. What differs is how much room you get: Personal covers up to 2 financial contexts and up to 2 connected Gmail inboxes, Business covers up to 5 of each. So this is mostly a question about your situation. If you are tracking personal finances, the personal plan covers everything at $9.99 per month or $99 per year. If you are running a business through ClarityTrack, choose Business: it covers your personal finances as well, so it is one subscription rather than two, and the founding rate is only available on that plan.
What happens to the founding rate after the first 100?
The $199 founding yearly rate is locked in permanently for the first 100 ClarityTrack subscribers. The cap counts subscribers across both plans, not business subscribers alone, so the places go faster than the business plan on its own would use them. After those places are taken, the yearly price is $290. Founding members keep $199 for as long as they stay subscribed.
Are there hidden fees?
No. The advertised price is the total you pay. ClarityTrack does not charge transaction fees, sync fees, or per-account fees on Plaid connections.