ClarityAI Money Tracker

Know exactly where your money stands, and what to fix first.

ClarityAI Money Tracker is a complete personal finance system built for Canadians. It works in Excel and Google Sheets, and comes with a private web app that turns your numbers into a Clarity Score out of 100 and a ranked action plan.

WHAT YOU GET

- Your workbook, ready to use: 16 tabs with a live setup checklist that ticks off each step

- A filled-in example to follow along with

- The Clarity Score: four areas (Spend, Save, Borrow, Plan) based on widely used indicators of financial health, with every calculation shown

- The web app: your top priorities, interactive charts, your debt-free date and your path to $1M. It runs in your browser and nothing is uploaded.

- A Start Here guide: set up in about 30 minutes, then 10 minutes a month

HIGHLIGHTS

- Debt payoff planner (avalanche or snowball) with your debt-free date and the interest you'll save

- Bills & subscriptions tracker: what's due soon and what to cancel

- Savings buckets for gifts, car repairs and other costs you know are coming

- TFSA, FHSA and RRSP room tracking (2026 limits)

- Investments, net worth over time and a wealth projection

Private by design: no bank login, no subscription, no data collection.

Works with Microsoft Excel (Windows, Mac or the free web version) and Google Sheets. The web app works in Chrome, Edge, Safari and Firefox.

All sales are final: this product is delivered as a downloadable file, so there are no refunds.

For education only. This isn't financial, tax or investment advice.