YOUR AI FINANCIAL DECISION COACH

Stop making dumb
money decisions.

Clarity shows you where your money is leaking, what to fix first, and what to do before you spend.

No account · No credit card · Instant results

$340avg leak identified per user

3 minto your first fix

100%actionable insights

🔒 No login · 🚫 Data never stored · 🗑 Deleted after analysis

Example output — your report will look like this

Clarity Score

Needs Work /100

Savings rate: 2.1% — $192/mo on $9,200 income

$22,400 idle in chequing — earning $0 in interest

Lifestyle inflation absorbed every raise since 2022

Core Pattern HIGH

Reactive Spending, No System

$9,200 hits chequing. Bills come out. Whatever remains gets spent — dining, weekend trips, impulse online. Nothing is allocated before it can disappear.

$5,800–$6,100/mo unaccounted

↑ If you auto-invested just 15% of income, that is $1,380/mo — $99,000 in 5 years at 7%

30-Day Fix Plan

Set auto-transfer of $1,380 to TFSA on payday — not end of month

Pay yourself first, always

Move $20k idle cash to EQ Bank HISA at 4.0%

+$800/yr doing nothing

Cap discretionary at $2,400/mo — separate account, card off when empty

Ends lifestyle creep structurally

+ Before vs After · 5-year wealth projection · Credit card optimizer... ↓

Clarity Score

Getting There /100

No automation — savings happen only in good months

TFSA open but holding $0 — 3 years of unused room

8 active subscriptions, 3 with no recent usage signals

Core Pattern HIGH

Subscription Bleed — Invisible $127/mo

Adobe Creative at $62/mo (last used 4 months ago), a gym membership at $38/mo (no adjacent charges suggesting use), and a language app at $27/mo — all auto-renewing.

−$127/mo · $1,524/yr

↑ $21,000 of unused TFSA room — compounding nothing since 2022

30-Day Fix Plan

Cancel Adobe, gym, and language app — $127/mo reclaimed today

+$127/mo, zero effort

Auto-transfer $350/mo into TFSA on the 1st — buy XEQT

~$25,000 in 5 years at 7%

Set Wealthsimple round-ups on all purchases

+$40–$60/mo passively

+ TFSA catch-up plan · Subscription audit · 12-month wealth roadmap... ↓

Clarity Score

Solid /100

Rewards mismatch: 0.5% card on $3,800/mo in spend

$11,400 in HISA at 0.8% — current best rate is 4.0%

RRSP contributions at $100/mo — well below optimal

Core Gap MED

Idle Cash Flow — $760/yr Lost Silently

$11,400 earns $91/yr at your current bank. Same balance at EQ Bank earns $456/yr. The difference requires one account opening and one transfer. Nothing else changes.

$365/yr left at wrong bank

↑ Switching to TD Cash Back World Elite Mastercard earns $680/yr on your current spend

30-Day Fix Plan

Open EQ Bank HISA, transfer $11,400 — 4.0% vs 0.8%

+$365/yr, same liquidity

Apply for TD Cash Back World Elite — 3% groceries, 3% gas

+$680/yr vs current card

Raise RRSP auto-contribution from $100 to $420/mo

$3,840/yr more sheltered

+ Full credit card analysis · RRSP vs TFSA breakdown · Net worth projection... ↓

Clarity Score

Needs Work /100

Cash reserve covers 9 days of fixed expenses

Spending in high-income months runs 94% of intake

No income-smoothing layer — directly exposed to gaps

Core Pattern HIGH

Income Absorbed, No Floor Built

March: $8,900 in, $8,350 out. April: $3,100 in, $3,400 out. There is no mechanism between income and spending — lifestyle scales with revenue instead of a fixed salary.

1 slow month from shortfall

↑ A $9,600 operating buffer (2 months of expenses) eliminates this risk entirely

30-Day Fix Plan

Open a separate EQ Bank float account — target $9,600 over 3 months

Removes income volatility risk

Pay yourself $3,400/mo fixed — surplus stays in float until buffer is full

Decouples income from lifestyle

Once buffer is full, auto-route overflow to TFSA on the 1st

$6,000–$9,000/yr invested

+ Income smoothing model · Cash flow calendar · Tax reserve calculator... ↓

⚡

Start here

Your #1 fix right now

Set a $250/wk spending cap in a separate account — card turns off when it hits zero

Discretionary spend has no ceiling right now. Capping it structurally stops the bleed without requiring willpower.

$340

saved/month

$4,080/yr

01Clarity Score

57 /100

Getting There

On $5,400/mo take-home, you're saving about $240/month — a 4.4% savings rate when the target is 20%+. The income is there; the system to capture it isn't.

Savings Rate 6/25

Saving $240/mo = 4.4% of income. Needs to reach $1,080/mo to hit 20%.

Spending Efficiency 14/25

Discretionary runs ~38% of income. Typical target is under 30%. No structural cap in place.

Consistency 18/25

Fixed expenses are stable. Spending spikes detected on 3 weekends — social/entertainment driven, ~$180 each.

Financial Structure 9/25

No TFSA, no automation, no emergency fund. Chequing and spending come from the same account.

Dragging score down · 1

↓

Savings rate: $240/mo on $5,400 income (4.4%) — target is $1,080+

Dragging score down · 2

↓

No financial structure — TFSA open but empty for 2 years, no automation

Dragging score down · 3

↓

Subscription bleed: $94/mo across 6 subscriptions, at least 2 with no usage

02Where Your Money Is Going

🔍

Where your money is going (that you don't see)

3 patterns found · ~$530/mo total exposure

HIGH PRIORITY

Fix first

Unstructured Discretionary — No Ceiling

You spend freely across dining, shopping, and entertainment with no weekly or monthly cap. The pattern isn't one big problem — it's 40–60 small transactions per month that individually feel fine but collectively run $1,850–$2,100/mo in a category that should be around $1,400. There's no mechanism to stop it because it never triggers an alarm.

$340/mo HIGH Fix this first

Leak 2

Subscription Bleed — 2 Unused Services

6 active subscriptions total $94/mo. Adobe Creative Cloud at $59/mo shows no adjacent creative-use signals in the last 3 months. A music service at $16/mo runs alongside an existing Spotify Premium — likely a forgotten trial-to-paid conversion.

$75/mo MED

Leak 3

Weekend Spending Spikes — $180 Average

3 of the last 4 weekends had single-day spend above $180 — concentrated in Friday-Saturday bars, late-night food, and impulse online orders. These aren't budget breakers individually, but they account for $540 of unplanned spend this month.

$115/mo LOW

03What to Fix First

⚡

Your fix list — in order of impact

Start with the first item. Each fix is specific, achievable, and tied to your real numbers.

ACTION PLAN

Open a separate KOHO account — load $250/wk, use only that card for discretionary

Go to koho.ca, open a free account (5 min). Set up a weekly auto-transfer of $250 from chequing every Monday. Use this card for dining, shopping, entertainment. When it hits zero, you're done for the week. No willpower required.

$340/mo EASY

Cancel Adobe Creative Cloud and the duplicate music service — $75/mo recovered today

Go to account.adobe.com → Cancel plan. Check your bank statements for the music service name and cancel through its app or website. Set a 15-minute calendar block right now. This is $900/yr for services you are not using.

$75/mo EASY

Open TFSA at Wealthsimple — set auto-deposit of $400/mo on the 1st, buy XEQT

Wealthsimple.com → Open account → Select TFSA → Fund with bank transfer. Once funded, buy XEQT (all-in-one global index ETF, 0.2% fee). Set up a recurring $400/mo deposit. You have 2 years of unused TFSA room — start capturing it now.

$400/mo invested EASY

↑ Before vs After

Your Transformation at a Glance

Current state vs. after applying your 30-day plan

Impact Summary

Current

Optimized

Monthly Savings

$240

estimated baseline

→

+$815/mo

Monthly Savings

$1,055

after applying plan

Clarity Score

Getting There

→

+14 pts

Clarity Score

Solid

Yearly Freed Up

—

current trajectory

→

+$9,780/yr

Yearly Freed Up

$9,780

back in your pocket

Apply all 3 fixes → free up $815/mo and push your clarity score from 57 to 71. START WITH FIX #1 →

05Card Optimization

💳

You're leaving rewards on the table

Currently on a basic no-fee Visa (est. 0.5% cash back)

OPTIMIZE

You're currently earning

$226/yr

per year, estimated

→

+$494/yr

You could be earning

$720/yr

with the right card

★ Best choice

Scotiabank Momentum Visa Infinite

$600/yr net after $120 fee · 4% groceries & recurring bills

Alternative

CIBC Dividend Visa Infinite

$520/yr net · 4% groceries, 2% gas

★ Best choice for your spending

Scotiabank Momentum Visa Infinite

4% on groceries & recurring bills

Visa $120/yr annual fee

Your grocery and subscription spend runs ~$1,100/mo. At 4% back, that alone returns $528/yr — covering the annual fee with $408 left over. The 2% on all other spend adds another ~$170.

Visa — accepted everywhere, including Costco and no-Amex merchants

⚠️

Reality check

The $120 annual fee is worth it only if your monthly grocery + recurring spend stays above $700/mo. At your current $1,100/mo, the math is clearly positive. If your spend drops significantly, the no-fee CIBC Dividend Visa (1% on most, 4% on groceries) becomes the better option.

Ready to see your real numbers?

Clarity

Tell Clarity about your finances

Describe your situation — or upload statements — and Clarity will identify your biggest leaks, what to fix first, and what to do next.

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Country-specific account and product recommendations are currently optimized for Canada, the U.S., and the U.K.

📋

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WHAT ARE YOU SAVING TOWARD?

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How it works

Tell Clarity your situation

Clarity finds the leaks and decision gaps

Know exactly what to fix — and what to do next

🔒 No login 🚫 Never stored 🗑 Deleted after analysis

No account · No credit card · Instant results

Stop making dumbmoney decisions.

Your Financial Clarity Report

Where your money is going (that you don't see)

Your fix list — in order of impact

Your Transformation at a Glance

You're leaving rewards on the table

Tell Clarity about your finances

Drop your statements here

Stop making dumb
money decisions.