Attention needed
You're mostly on track — but your renovation is putting your cash floor at risk.
Savings rate is healthy at 32.6%, and you're $420 under your weekly spending budget. However, the renovation project is $8,200 over budget and at current pace your cash will drop below your $25k floor in roughly 11 days.
$487.2k
Total net worth
+$18.2k
YTD growth
Today's spend
$135
$285 left today
Week budget left
$420
3 days remaining
Month saved
$8,200
of $10k goal · 82%
Savings rate
32.6%
+2.1% vs last month
Alerts
Renovation $8,200 over budget
Cash floor breach in ~11 days at current pace
Q1 taxes $8,400 due Apr 15
22 days remaining
401k $4,200 short of IRS limit
Increase contribution by $350/month
Week spending $420 under budget
On track for monthly savings goal
$18,400 idle in checking
HYSA at 4.8% APY generates $576/yr risk-free
Spending — This Month
$11,830
Total this month
Housing
$3,800
Renovation
$4,100
Food & dining
$1,200
Shopping
$1,200
Other
$1,530
Clarity is not a registered investment advisor, broker-dealer, or tax advisor. Nothing in this application constitutes financial, investment, legal, or tax advice. Always consult licensed professionals before making financial decisions.
Income statement
Gross margin of 81% — your fixed costs are well controlled.
Your cost of living is $6,080 this month (18.8% of income), leaving strong gross profit. Discretionary spending is the main variable to watch.
$22,150
Net income this month
Add upcoming expense to projection
Investments & savings excluded — shown in Cash Flow. Italic = projected.
For informational purposes only. Not financial, tax, or investment advice. Consult a licensed CPA or financial advisor.
Cash position
Ending cash of $31,640 — $6,640 above your $25k floor.
However renovation overruns are consuming this buffer faster than expected. At current pace, your Q4 cash position could drop below your floor without corrective action.
$31,640
Projected month-end cash
Add upcoming expense to projection
Projected figures are estimates only. Not financial advice.
Net worth
Up $18,200 YTD — you're on pace for a strong year.
Your net worth grew 3.9% in Q1, ahead of last year's Q1 pace of 2.8%. Retirement remains the biggest gap — your 401k projection falls $1.76M short of your $3M target at current contribution rates.
+$18.2k
YTD growth
Liquid net worth
$164,800
+$2,100 this week
Total net worth
$487,200
+$3,400 this week
YTD growth
+$18,200
+3.9% since Jan 1
Net worth over time
Assets
Liquid
Checking accounts$18,400
Savings / HYSA$42,000
Brokerage (Fidelity)$98,200
Liquid total$164,800
Illiquid
401k (Fidelity)$187,400
Roth IRA$34,600
Real estate (est.)$180,000
Total assets$579,200
Liabilities
Mortgage−$74,000
Student loans−$12,400
Auto loan−$5,600
Total liabilities−$92,000
Total net worth$487,200
Retirement tracker
At current pace, projected 401k at 65: $1.24M vs $3M target. You need to invest $880 more per month starting now to close the gap.
Net worth includes estimates for real estate and illiquid assets. Not financial advice.
Spending categories
Your renovation category is the outlier driving budget overruns.
All other categories are within normal range. Click any category to expand individual transactions, move items, or open a dedicated spending dashboard.
Cost of Living — Fixed (COGS)
Lifestyle Spend — Discretionary (OpEx)
Financial health score
You earn well but spend patterns suggest you could be $200k+ wealthier by 45.
Clarity has analyzed 14 months of your complete financial life. Here is the unfiltered assessment — what you're doing well, what's silently costing you, and exactly what to change.
74
Needs work
What you're doing right
Savings rate of 32.6% — top 15% of earners in your income bracket. Most people making what you make save less than 20%.
Zero credit card debt — while carrying mortgage, student, and auto debt, you're not adding high-interest revolving debt. This is correct behavior.
Income growth of 12.3% YoY — your earning trajectory is strong. Most wealth is built by maximizing income early, which you're doing.
The cold hard truth
Dining spend of $940/month is $580 above the benchmark for your income peer group. Over 10 years, invested at 7%, that gap is worth $96,000.
401k back-loaded contributions — you consistently hit the limit but do it in Q3/Q4. Front-loading costs you an estimated $14,000 in lifetime compound growth.
$18,400 in checking earning 0.01% — this has been sitting idle for 4+ months. At 4.8% HYSA that is $883/year in free money you are leaving on the table.
Clarity's recommended habit changes — ranked by 10-year impact
Move idle cash to HYSA immediately
10-min action · $883/yr · $12,400 over 10yr at 4.8%
Max 401k from January 1 each year, not Q3/Q4
1 payroll change · +$14,000 in lifetime compound growth
Cut dining by $300/month — keep it under $640
Behavioral change · $41,000 impact over 10yr invested at 7%
Open backdoor Roth IRA for 2026
$7,000 contribution · Tax-free compound growth for 30+ years
Cancel 4 unused subscriptions
$134/month · $1,608/yr · 20 minutes of your time
Clarity's projection — if you make all 5 changes
Implementing every recommendation above adds an estimated $68,400 to your net worth over 10 years compared to your current trajectory — without increasing your income by a single dollar. The biggest leverage is behavioral (dining, front-loading 401k) not structural.
Hi — I'm your AI CFO. I can see your full financial picture. What would you like to work through today?
Not financial advice · Always consult licensed professionals for major decisions
AI responses are informational only — not financial, tax, investment, or legal advice
Tax situation
You're leaving $18,200 on the table in avoidable taxes this year.
Your effective rate of 28.4% can be reduced to 23.1% through 6 actionable steps — none of which require major life changes. Q1 payment of $8,400 is due in 22 days.
$98,400
Estimated 2026 tax bill
Tax profile setup
Three layers: interview for baseline → pay stub PDF upload for precision withholding → auto-detection from connected accounts year-round.
Step 1 of 5 — Primary income
Upload pay stub for precise withholding (recommended)
Clarity reads ADP, Workday, or Gusto pay stubs and extracts exact withholding, 401k deductions, FICA, and YTD totals automatically.
CPA Marketplace
Tell Clarity your situation — we'll match you to the right CPA.
Our AI reviews your tax profile, income complexity, and goals, then surfaces the 3 best-matched CPAs from our vetted network. Every CPA listed specializes in high-earning professionals and HENRYs.
How Clarity's CPA marketplace works: All CPAs are vetted and background-checked. You connect directly and pay the CPA their standard rate. Clarity takes a 15% referral fee from the CPA — not from you. There is no additional cost to you for finding a CPA through Clarity. Average engagement for a HENRY is $2,000–$5,000/year.
SR
Sarah Ramirez, CPA
98% match for your profile
$450/hr
or flat project rate
★★★★★ 4.9
MK
Michael Kim, CPA, CFP
94% match for your profile
$380/hr
or flat project rate
★★★★★ 4.8
AL
Amanda Liu, CPA
91% match for your profile
$320/hr
or flat project rate
★★★★★ 4.9
JT
James Torres, CPA, EA
87% match for your profile
$290/hr
or flat project rate
★★★★☆ 4.7
CPA listings are for informational purposes only. Clarity is not a tax advisory firm. Always verify credentials independently. Clarity earns a referral fee from CPAs — not from users.
Budget status
Monthly goal 82% achieved — but renovation is pulling you toward a cash floor breach.
You have $1,800 left to save by March 31 (6 days) to hit your monthly goal. Simultaneously, your renovation overspend and upcoming rent + loan payments ($5,000) create a cash crunch in the next 11 days.
11 days
Until cash floor risk
AI Look-ahead — next 14 days
Rent ($3,800) and loan payment ($1,200) due in 6 days. At current daily spend you'll be $620 short of your weekly savings goal. Cutting dining and shopping this week closes the gap exactly. Renovation is pulling $2,100/week — pausing contractor for one week recovers that and gives you breathing room above the $25k floor.
Monthly savings goal — March
$8,200 / $10,000
82% — on track$1,800 more needed · $300/day max remaining
Annual savings goal — 2026
$18,200 / $80,000
Slightly behind — 23% saved, 25% through yearNeed $5,300/month for 9 remaining months
Cash floor: stay above $25,000
$28,400 current
Only $3,400 above floorBreach in ~11 days without cuts
Notification settings
Stay on budget without thinking about it — Clarity alerts you automatically.
Clarity uses browser push notifications to alert you whenever you spend money, when you're approaching budget limits, and for weekly and monthly financial summaries. Enable below — no phone number required.
Push notifications
Transaction alerts
Immediate push when any transaction is detected — shows remaining daily budget
Daily budget summary
Every evening at 8pm — how much you spent and what's left for the week
Weekly summary (every Monday)
Week in review — spend vs. budget, savings progress, top categories
Monthly summary (1st of month)
Full month recap — P&L, savings rate, net worth change, goals progress
Budget threshold warnings
Alert when you've used 80% of any budget category
Cash floor warnings
Alert when projected cash drops within $5,000 of your floor
Tax deadline reminders
14 days, 7 days, and 1 day before quarterly estimated tax payments
Large transaction alerts (>$500)
Immediate notification for any transaction above your threshold
What a daily summary looks like
Clarity · Daily Summary · Mar 24
You spent $135 today — $285 under your daily budget.
Week budget: $1,680 used of $2,100 · $420 remaining (3 days left)
Month goal: $8,200 saved · 82% complete
Top category today: Groceries ($135)
Month goal: $8,200 saved · 82% complete
Top category today: Groceries ($135)
What a transaction alert looks like
Clarity · Transaction detected
Amex Platinum — $68 at Eataly NYC
$217 left today
You're on track for your weekly savings goal ✓
Subscriptions
4 unused subscriptions are costing you $134/month you're not noticing.
14 active subscriptions totaling $487/month detected. The 4 unused ones haven't been accessed in 60+ days. Cancelling takes one click — Clarity handles the entire process automatically.
$487
Monthly subscriptions
All subscriptions — $487/month
Coverage gaps found
You have a critical gap — no umbrella policy at $487k net worth.
At your wealth level, a single liability event (car accident lawsuit, injury on your property) could exceed your $300k auto limit. The excess comes directly from your personal assets. A $1M umbrella policy costs approximately $250/year.
Total premiums
$8,400/yr
$700/month
Coverage gaps
2 found
Umbrella + life underinsured
Next renewal
Apr 18
Auto · State Farm
Your policies
| Policy | Provider | Coverage | Premium | Renewal | Status |
|---|---|---|---|---|---|
| Homeowners | Allstate | $380,000 | $2,400/yr | Jun 2026 | Review coverage |
| Auto | State Farm | $100k/$300k | $1,800/yr | Apr 18 | OK |
| Life (term) | Northwestern | $500,000 | $1,200/yr | Oct 2026 | Possibly low |
| Health | Employer BCBS | HDHP $3k deduct. | $4,800/yr | Jan 2027 | OK |
| Umbrella | — | None | — | — | Missing — critical |
AI recommendation
Call your current insurer (State Farm or Allstate) and ask to add a $1M personal umbrella policy. At your net worth level this is the single best value in insurance — approximately $250/year for $1M in additional protection. Do this before your auto policy renews Apr 18.
Not insurance advice. Consult a licensed insurance professional before modifying coverage.
Credit health
762 is strong — one change would push you into the 800s.
Your payment history and utilization are excellent. The only meaningful improvement available is credit age, which improves passively over time. Do not open new accounts or close old ones.
762
Experian · Very Good
Credit score
762
Very Good · Experian
30-day change
+8
Up from 754
Hard inquiries
1
Last 12 months
Score history
Score factors
Payment history (35%): 100% on-time
Excellent — keep it up, never miss a payment
Credit utilization (30%): 4%
Excellent — under 10% is the target, you're well within it
Credit age (15%): 4.2 years average
Improving passively — do not close old accounts
Credit mix (10%): Good — revolving + installment
No action needed
New credit (10%): 1 hard inquiry Mar 2026
Wait 6 months before any new credit applications
Document vault
Missing: will and estate documents — this is your most important gap.
4 documents stored and analyzed. Clarity detected that you have no will on file, meaning your assets would pass under state intestacy law if something happened to you. This takes priority over all other document gaps.
Stored documents
2025 Federal Tax Return
Uploaded Mar 10 · AI analyzed · Key figures extracted
Mar 2026 Pay Stub (ADP)
Withholding, FICA, 401k deductions extracted
Homeowners Insurance Policy
Renewal Jun 18, 2026 · 86 days · Coverage: $380k
Mortgage Agreement
Rate: 3.25% fixed · Balance: $74,000 · Matures 2041
Will & estate documents
Missing — strongly recommended
Documents encrypted AES-256. No digital storage is 100% secure — maintain physical copies of critical documents. Clarity does not share documents with third parties.
Purchase advisor
Tell me what you're considering — I'll model the real financial impact.
Before making any large purchase, Clarity models the effect on your cash flow, net worth trajectory, and retirement timeline. Based on your current financial situation, here's your current purchasing capacity.
Tesla Model S — $89,000 (saved analysis)
Not recommended nowMonthly payment (60mo / 6.9%)$1,753
Reduction in monthly savings−$1,753/month
Net worth impact in 5 years−$18,400
Effect on retirement timelinePushes target back 14 months
RecommendationRevisit Q4 2026 post-renovation
Purchase analysis is informational only. Not financial advice. All projections are estimates based on current data.
Life event playbooks
Select a major life event — Clarity builds a complete financial roadmap.
Each playbook includes exactly what to do, in what order, with your current numbers pre-loaded and progress tracking built in.
Compensation analysis
You're at the 45th percentile — there's $25,000 to $85,000 in comp you're not capturing.
Market data for PE Associate, NYC, 4 years experience shows a median of $335k total comp. Your $310k is below median. A well-executed negotiation targeting $355–370k is supported by the data.
$310k
Your current total comp
Your total comp
$310,000
45th percentile
Market median
$335,000
PE Associate · NYC · 4yr
75th percentile
$395,000
Realistic target
Comp breakdown — yours vs. market
| Component | Your current | Market median | 75th percentile |
|---|---|---|---|
| Base salary | $175,000 | $185,000 | $210,000 |
| Cash bonus | $75,000 | $90,000 | $120,000 |
| Carried interest | $60,000 | $60,000 | $65,000 |
| Total comp | $310,000 | $335,000 | $395,000 |
Negotiation strategy
Best timing: year-end review or immediately after closing a significant deal. Lead with your deal contribution, reference the market data showing $335k median, and anchor at $355k total comp. If they push back on base, push for bonus structure instead. Never accept the first offer on the day it's given — ask for 48 hours to review.
Salary data from third-party market sources. May not reflect your specific employer or circumstances. Use as a reference point only.
Estate issues found
Your 401k beneficiary is your ex-spouse — this needs to be fixed today.
This is not a hypothetical risk. If something happened to you tomorrow, your $187,400 401k would go directly to your ex-spouse. Update it immediately at Fidelity NetBenefits — it takes 5 minutes. Additionally, you have no will on file.
Beneficiary tracker
| Account | Institution | Beneficiary | Last updated | Status |
|---|---|---|---|---|
| 401k | Fidelity | Jane Doe (ex-spouse) | Mar 2021 | ⚠ Update urgently |
| Roth IRA | Vanguard | Mom | Jan 2023 | OK |
| Life insurance | Northwestern | Not set | Never | ⚠ Missing |
| Brokerage | Fidelity | Estate | Feb 2024 | Consider updating |
Estate checklist
401k beneficiary: ex-spouse from 2021 — update today
Go to Fidelity NetBenefits → Profile → Beneficiaries · Takes 5 minutes
No will on file
Without one, state law determines asset distribution — consult an estate attorney
No healthcare proxy
Appoint someone to make medical decisions if you're incapacitated
No power of attorney
Consider a durable POA for financial decisions
Document digital assets and accounts
Crypto wallets, password managers, accounts — document for estate access
Estate planning information is educational only. Not legal advice. Consult a licensed estate attorney before making estate planning decisions.
2025 annual review
Strong year — income up 12%, net worth up 14.6%, but tax efficiency was below optimal.
You earned $358k, saved $89k, and grew net worth by $62k in 2025. Your effective tax rate of 29.1% was 2.1% above optimal — primarily due to late 401k contributions and no backdoor Roth. The 2026 plan below corrects both.
2025 gross income
$358,000
+12.3% vs 2024
2025 savings rate
24.9%
Target: 30%
Net worth growth
+$62,000
+14.6% YoY
Tax efficiency
B+
Room to optimize
2026 goals — set by Clarity based on 2025 performance
Raise savings rate from 24.9% to 30%
Requires saving $5,300 more per month — achievable through dining + subscription cuts
Max 401k from January 1 — front-load, don't back-load
Front-loading adds an estimated $14,000 in lifetime compound growth
Open backdoor Roth IRA and max it ($7,000)
Tax-free compound growth for 30+ years — critical at your income level
Net worth target 2026: $550,000
+12.9% growth — achievable on current income trajectory with savings rate improvement
Family mode
Shared household finances — private individual spending.
Each partner has their own encrypted view of personal transactions. Only the household P&L, net worth, and shared goals are visible to both. Your partner cannot see your individual spending history and vice versa.
Household overview
Combined monthly income$51,400
Combined monthly spend$34,200
Household saved this month$17,200
Combined net worth$892,000
Members
JD
John D. (you)
Owner · Full access
SD
Sarah D.
Partner · Shared household view
Security
Security score 94 — one recommendation: add a hardware key.
Your account is well protected with MFA, biometric login, and encrypted storage. The only remaining upgrade is a YubiKey hardware security key, which eliminates all SIM-swap and phishing attack vectors.
94
Security score: Excellent
1 recommendation: add YubiKey
Two-factor authentication (TOTP)
Required for all logins
Biometric login (Face ID / Touch ID)
Mobile app only
Session auto-logout (30 min)
Locks after inactivity
New device login alerts
Email + push notification
Large transaction alerts
Alert on any transaction >$500
YubiKey hardware security key
Not configured — recommended
Read-only by default
All actions require re-authentication
Security architecture
Plaid tokenization
Bank credentials never touch Clarity servers
AES-256 + TLS 1.3
Bank-grade encryption at rest and in transit
Zero-knowledge architecture
Clarity employees cannot view your data
SOC 2 Type II certified
Annual third-party security audit
CCPA / GDPR compliant
Export or delete all your data at any time
Data & privacy controls
Export all my data (CCPA/GDPR)
View security audit log
Delete all my data permanently
Connected accounts
4 accounts connected — all syncing in real time via Plaid.
All data is read-only. Clarity can never move money or make transactions. Bank credentials are never stored — you authenticate directly with your institution through Plaid.
Connected accounts — Plaid secured
CH
Chase Bank
Checking ···4821 · Savings ···2204
FD
Fidelity Investments
Brokerage ···9341 · 401k ···0012
AX
American Express
Platinum ···7792
VG
Vanguard
Roth IRA ···5521