Clarity Money - Budget Manager

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.

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.

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I downloaded this in order to try and track my spending. However the budgeting feature is incredibly limited. For example, I split the bills with my boyfriend and send him money, but I can’t add that as a line item. It says I have “xyz” left to spend but it doesn’t detect any payment transfers so it just lumps it under “everything else”. Therefore I can’t automatically set aside a dollar amount out of the week. Secondly the order of information is incredibly annoying. I don’t need half a screen telling me I just got paid, I get paid regularly it’s not that shocking. I have to scroll down through pseudo ads just to get to the sections I find the most valuable. I can’t dismiss a callout asking me to set up a high yield account, when I already have one set up before I downloaded the app. Finally, the UI is super annoying. I want to be able to quickly and easily see information, but instead I have to scroll through giant animations and icons to get to what I want. They go crazy with charts that ultimately don’t tell you much. Also please try and be more ADA compliant, their form fields are nearly impossible to read and I have 20/20 vision. They frequently have very thin light fonts on a bright background that makes the text appear to vibrate, or alternatively have dark font on a dark background which is equally bad. the whole thing looks like a dribbble designers wet dream — and that’s not a good thing.

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I saw an advertisement on Facebook for this app and I always wanted a simple app to help me keep track of when my reoccurring expenses were going to withdraw out of my bank account. But some issues I observed within the first five minutes of having the app, include: 1) The account balance is not exactly what my bank app tells me. And, this number takes time to update (which means I still have to use my bank app). 2) I can only see the five most recent transactions or most expensive transactions etc., from my account which is honestly strange under the premise that I should be able to at least see what I spent within the last month, since most reoccurring bills are on a monthly basis (which still means I have to use my bank app for that). 3) I cannot edit the names for reoccurring bills to simple words - some of these titles are long and complicated. 4) I don’t quite see the necessity of using such an app if I could just use use my calendar app to alert me of when my bills are going to come out (and how much) and use an Excel spreadsheet to list all my different types of expenses - NOTE: I understand we live in an app-based economy now and we all desire our goods and services to be conveniently accessible within a touch of a finger, but I think in regards to this, using traditional, less tedious methods my be more applicable here.

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I loved this app as a college student out of state. It helped me balance two bank accounts and see all my transactions. The trouble started when I opened a “clarity money savings account”. Due to graduating and moving back home, I had to close the bank account that I used in the state where I lived for college. Unfortunately that was the account that “clarity money savings” was drawing from. And now that the account is closed I’ve no way to withdraw my money from the savings account! There is also no help from the “support” team at clarity money, I’ve tried their live chat thing & emailing! The live chat robots are no help and say the same thing over and over and emailing does absolutely nothing, haven’t gotten a response at all! The app is too faulty in my opinion. I strongly suggest that if you use this app and especially the savings feature, withdraw your money now! Or make sure you withdraw your money from clarity savings before you close your account because you’ll get zero help from the “support” team (that probably doesn’t even exist) and you won’t get your money. A few suggestions for the developer: #1 make it easier to transfer money in the savings account to a different account that is linked on the app, especially after the one that the savings account is drawing from has been closed. #2 have a phone number for support and trouble shooting. It sure would be nice to talk to a real person to find out how to get my money back!!!!