What is ClarityTrack

ClarityTrack tells you whether you are ahead or behind on the money goals you set: paying off debt, saving for something, keeping spending under a cap, growing your investments, or reaching financial independence. You connect your accounts (or add debts by hand), set a goal with a target, and ask Clarity, the built-in assistant, where you stand. Clarity answers from your data in plain language and can make the change you ask for. Anything hard to undo is shown to you first and waits for your yes.

How it works

1. Connect a bank through Plaid, or add debts by hand.
2. Set a goal with a target and, if it has one, a date. For debt, that is a monthly payoff target and a strategy (avalanche pays the highest APR first, snowball the smallest balance first).
3. Each goal shows a status on the Plan tab: Ahead, On track, or Behind, with what it takes to hit your date.
4. Ask Clarity things like "am I on track this month?" or "when will I be debt-free?"
5. Ask for a change, such as a new target or strategy, and Clarity previews it before anything is saved.

What makes it different

• A straight answer. Every goal says whether you are ahead, on track, or behind, so you do not have to work it out from a list of transactions.
• Real bank data. Plaid reads your balances and transactions, and the bank connection is read-only.
• An assistant that acts. Clarity does the math, projects timelines, and makes the change you ask for, without you opening a spreadsheet.
• Projections from your history. Debt-free dates use your recent payment history instead of optimistic assumptions.

Common questions

Is ClarityTrack only for debt?

No. It also tracks savings targets, spending caps, investment goals, and financial independence. For debt, anything with a balance, an APR, and a minimum payment works: 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?

$9.99 per month or $99 per year. See getting-started/pricing and getting-started/free-trial.