Three steps to your first goal status
A brand-new ClarityTrack account is empty by design. To see where you stand, do these three things in order. Total time about 5 minutes if you have your bank login handy.
How to do it
- Connect a bank (or skip and add debts manually). The Banks tab → Connect Bank flow opens a Plaid window where you sign into your bank. After authorization, transactions sync automatically. See banks/connect-bank for the full flow.
- Add your debts. If your bank shipped credit-card balances via Plaid, those import automatically and become tracked debts. If you have debts your connected bank does not show (a separate student loan, a personal loan from another lender), tell Clarity and it adds them conversationally. See debts/add-debt. If you have many debts on a spreadsheet, use debts/import-csv instead.
- Set a monthly payoff target. Tell Clarity: "set my payoff target to $X a month" and confirm. Pick a realistic amount above your minimum payments. See plan/set-payoff-target. Once the target is set, your debt goal gets a status: Ahead, On track, or Behind.
What you see when you are done
- Your goal on the Plan tab, with its status (Ahead, On track, or Behind), progress, and monthly target.
- Clarity opening each conversation with where your goals stand.
- Ask Clarity "am I on track this month?" or "when will I be debt-free?" for the detail.
- Ask Clarity "which debts cost me most?" for your payoff order (avalanche by default).
- Transactions tab showing real bank transactions ready to be marked as payments where applicable.
Common questions
Do I have to do all three steps at once?
No. ClarityTrack is still useful with just one or two of the three done. For example, with just bank connected (no manual target set), you can still see spending categorization and the projected debt-free date. With just debts added (no bank), you can still track payoff progress by logging payments manually. You get the fullest picture with all three.
What if I do not have a US bank Plaid supports?
You can still use ClarityTrack manually. Tell Clarity your debts to add them, tell it about payments to log them, and set targets and strategy the same way. The financial-analytics tools that depend on bank data (spending breakdown, Plaid-detected subscriptions) will be unavailable, but the core debt-tracking flow works.
I tried Plaid and my bank failed to connect.
A few options:
- Search Plaid by your bank's login URL instead of by name. Plaid sometimes recognizes the URL when the name is different.
- Wait a few hours and try again. Plaid integrations occasionally have temporary outages at specific banks.
- Use a different bank for the connected-bank features and track the unsupported bank's debts manually.
Can Clarity walk me through setup?
Yes. Ask Clarity "how do I get started?" or "what should I do first?" and the agent will look up the right cards and walk you through.