What is ClarityTrack

ClarityTrack is a personal debt payoff tracker. You add your debts (or connect a bank to pull them in automatically), set a monthly payoff target, choose a strategy, and ClarityTrack shows you whether you are ahead or behind your payoff line every day. Clarity, the built-in AI assistant, answers questions about your data in plain language.

How it works

1. You add debts manually or connect a bank account so transactions sync automatically.
2. You set a monthly target: the total you commit to paying toward debt.
3. You pick a payoff strategy (avalanche prioritizes high APR, snowball prioritizes small balances).
4. ClarityTrack tracks your actual payments against the target, day by day.
5. Clarity answers questions like "what should I focus on this month" or "when will I be debt-free."

What makes it different

• Single number focus. The Above the Line / Below the Line indicator tells you in one glance whether you are on track.
• Real bank data. Plaid integration pulls actual transactions so there is no double-entry of payments.
• AI assistant. Clarity is a chat interface to your own data. It does the math, projects timelines, and answers questions without you opening a spreadsheet.
• Trustworthy projections. Projections use your real payment history (last 3 months) instead of optimistic assumptions.

Common questions

Is ClarityTrack only for credit card debt?

No. Any debt with a balance, an APR, and a minimum payment can be tracked: credit cards, personal loans, auto loans, student loans, BNPL plans, HELOCs.

Does ClarityTrack pay my debts for me?

No. ClarityTrack is read-only on your bank accounts and never moves money. You make payments at your lender; ClarityTrack tracks them.

Can I try it without a credit card?

Yes. Click Try Demo on the sign-in page to explore a sample workspace with example debts. No signup required.

How much does it cost?

$19.95 per month or $199 per year. See getting-started/pricing and getting-started/free-trial.