Find a debt payment you forgot to log
If your dashboard says you are below the line but you know you paid more than that, you probably have a real bank payment that is not linked to a debt yet. ClarityTrack scans your Plaid transactions for payment-shaped charges (amount and timing match a debt's monthly payment) and flags them as unreconciled. The fastest way to find them is to ask Clarity.
How to do it
- Open Clarity from the chat panel and ask "find any debt payments I have not logged" (or any phrasing of the same idea).
- Clarity calls the get_unreconciled_payments tool which returns bank transactions that look like debt payments but are not linked to any debt yet.
- Each candidate shows the date, amount, debt name guess, and Plaid merchant.
- Confirm which ones are actually debt payments and tell Clarity to link them.
- Clarity previews the link and asks you to confirm before applying.
When this is useful
- You logged into ClarityTrack after a few weeks of not opening it and the dashboard looks behind.
- You made an extra payment on a debt and want to confirm it credited.
- You connected a new bank and want to backfill payment history.
- Your Above the Line / Below the Line indicator is showing wrong, and you suspect data is missing.
Common questions
Why are some payments flagged but others are not?
ClarityTrack uses a heuristic: the bank transaction amount must match a debt's expected payment (minimum payment or close to it), the timing must align with the debt's billing cycle, and there must be no already-linked transaction within 3 days that covers the same amount. If your real payment was an irregular amount or several days off the expected cycle, the heuristic may miss it. You can still link the transaction manually from the Transactions tab.
What if Clarity finds a transaction that is not actually a debt payment?
Tell Clarity in the same conversation. The link is preview-and-commit, so nothing has been saved yet. You confirm only the ones that are real.
Will this catch payments I made by check or money order?
No. Only payments that show up as Plaid bank transactions can be detected this way. Manual payments outside the connected bank need to be logged via the Plan tab using debts/log-payment.