App Profile: Clarity Money - Budget Manager

Crazy Uncle Steve

Rating: 5/5

I find this apps interface cleaner than Mint. Only reason I still use mint is I have a need for budgeting feature which either this app lacks or is not obvious how you use it. Add a budgeting feature to this and it will bring this over the top. If you can help people track their expenses and include a smart budgeting feature centered around savings goals, that would be big. I want something where I can set a savings goal on a general level or towards a specific item (e.g car loan). Something that would also be useful is helping others save towards paying down debt. If you allowed users to enter more information on their loan tab (I.e. what this loan is related to, interest rate, etc.) it could help us set an aggressive payoff plan, while also giving the user clarity on the expected payoff based on adjustments. I would recommend helping users set goals to payoff debt and track their progress. This will inevitably be a GREAT app if we can get that kind of insight and will ultimately help people maintain a healthier personal balance sheet. In depth analysis on ones debt could help you make recommendations on consolidating debt with your Marcus products and showing you’re a partner in people’s path to financial freedom. Giving people something to aim at is a more powerful tool than transaction analysis on its own.

Lizzylibra

Rating: 4/5

I like what the app is trying to do & some of the features offered can be very helpful for some who need or want the offers to help them. However, I just want something clean, straightforward, & to the point about helping me keep up on the transactions happening with my accounts. I was using a great app before that did this very well for me. It alerted me when new transactions came in and then I could 'swipe right' to confirm the transaction was familiar or 'swipe left' to red flag the unknown transaction till I could investigate further. This gave me a strong peace of mind that I was keeping a close watch on my accounts and would easily spot any unexpected behavior. This app's home page gives you a quick synopsis of your account's balances, but then it has all these advertisements for money management and other suggestions that I read through the first time of course, but there are very few that you can remove from view for good. The second tab is cleaner on showing account activity, but I miss being able to mark them as known and unknown transactions. Doing so gave me a strong sense that I was able to keep a very close eye on monetary transactions. Still a good app to show what you need in a basic way so since the other app is now gone and they directed me to this app I guess with time I will get used to the different way of things.

imaross

Rating: 3/5

I really like the look and feel of this app. I like how I can aggregate all my money, debts, and investments into a nice, easy to read, logical dashboard. All that doesn’t matter though, when I can’t track a major portion of my money. Clarity requires a login to every institution in order to track, which on the surface made sense, except when they don’t have an api for the specific institution you use. Now, I understand that they can’t conceivably have every single financial institution under the sun supported, but there are two major holes in that logic. First, they don’t support the Apple Card. That seems like a major oversight considering every single iOS user could conceivably have an Apple Card. Second, and more importantly, there’s no option to manually enter unsupported financial institutions information into the app. So, I can’t track my Apple Card at all in the app. Other competitors either offer Apple Card support or at the very least the option to manually enter it. If you have an Apple Card, this probably isn’t the app for you. If you’re considering the app I would suggest researching if your financial institution is supported in the app.