Three steps to a live dashboard
A brand-new ClarityTrack account is empty by design. To get to a useful dashboard, 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), add them manually from the Plan tab → Add Debt. See debts/add-debt. If you have many debts on a spreadsheet, use debts/import-csv instead.
- Set a monthly payoff target. Plan tab → Payoff Target. Pick a realistic monthly amount above your minimum payments. See plan/set-payoff-target. Once the target is set, the Dashboard's Above the Line / Below the Line indicator can start tracking your pace.
What you see when you are done
- Dashboard with current total debt, monthly target, and Above the Line / Below the Line status.
- Track chart showing your debt trajectory.
- Clarity Insight surfacing the most important next move for you.
- Plan tab showing your debts in 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. The dashboard works in a degraded but useful state 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. The most informative dashboard combines all three.
What if I do not have a US bank Plaid supports?
You can still use ClarityTrack manually. Add debts via the Plan tab, log payments manually after each one, and use the Plan tab for targets and strategy. 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.