Personal finance, on your terms
Bring your accounts together, uncover spending patterns, and build budgets that fit your life. All on your computer. No bank connection required.
No bank login. No Clarity account. Your files, your control.
Less friction. More perspective.
Bring the records you already have. Clarity helps you turn them into something you can use.
Export a statement from your bank, map the columns, and review it before importing. Save the mapping for next time.
Organize categories, split a purchase, and keep useful filters close. Review transactions together instead of one at a time.
See spending patterns, set category budgets, and compare your plan with the records you’ve brought in.
More than a spending tracker
From the first statement to your next monthly review, Clarity gives every part of the process a place.
Bring your bank and credit-card records together. See what came in, what went out, and what’s left after spending.
See which merchants get the biggest share, how your spending changes, and where your budget needs attention.
Turn a CSV statement into organized transactions with a review step before anything is imported.
Split a shopping trip across categories, fix several records together, and return to useful views without rebuilding your filters.
Set a plan for the everyday expenses and adjust it when travel, gifts, or a bigger purchase changes the month.
Know which statements you’ve imported, spot missing coverage, and take your records with you whenever you need to.
Choose from eight themes, set your display name, and select your vault’s currency. Your workspace keeps your preferences when you reopen it.
Connect your own OpenAI key for optional category suggestions. You review the results. Everything else works without a key; OpenAI usage is billed separately.
Your computer. Your control.
Import statements, organize transactions, plan budgets, and explore every chart without an internet connection.
Internet is only needed for app update checks and downloads, and optional AI features when you connect your own OpenAI key.
Understand what stays localGood questions
No. Download a CSV statement from your bank and import it into Clarity, or add records manually. Clarity does not request your bank password or sync directly with your bank.
Once installed on your computer, statement imports, transactions, budgets, charts, and local backups work offline. Clarity uses the internet to check for and download app updates, and for optional OpenAI features if you add your own API key. Automatic update checks can be turned off in Settings. Downloading a new statement from your bank is separate from importing it into Clarity.
Your financial records are stored in local files. Update checks contact GitHub without sending those records. If you connect an OpenAI key, Clarity checks available models; requesting AI categorization sends selected merchant descriptions, category labels, and reviewed examples, but not balances or transaction amounts. A cloud-synced folder or remote self-hosted installation stores files in the location you choose.
The Markdown vault is readable, not encrypted by Clarity. Protect it with your device’s security and backups. If you place it in a cloud-synced folder, that service also stores your files.
No. Spending reflects the records you import. Account balances are separate snapshots you enter, and coverage reminders help you spot missing statements. Clarity currently uses one currency per vault without currency conversion.
Preview installers are available for Apple silicon Macs, Intel Macs, and Windows. Builds are currently unsigned; Apple silicon has been launch-tested, while Intel Mac and Windows validation on native devices is still pending. The release notes describe the build you are downloading.
Start with a little clarity
Download for Mac or Windows. No terminal or database setup required.
Preview builds · Always linked to the rolling GitHub release.
Release notes & installation detailsView on GitHub