1. Should you try Clarity Money? Overview

What it is	Clarity Money was a free, machine-learning-powered personal-finance app — offering subscription tracking, budgeting, and savings optimization — acquired by Goldman Sachs (Marcus) in 2018 and shut down in 2021 after Goldman’s consumer-banking strategy shifted.
Country / HQ	New York, USA
Best for	historically budget-conscious US consumers — now replaced by Rocket Money, Monarch Money, and similar
Pricing signal	Free (acquired by Goldman Sachs Marcus; app retired)
Check before buying	Watch out: New users — the app is gone; choose a live alternative.

2. Features What it does

Feature	What it does
Subscription	tracking that surfaced forgotten recurring charges.
Budgeting	& spending insights across linked accounts.
Savings	optimizer and automated savings suggestions.
Bill	negotiation and credit-score monitoring.
ML-driven	insights to recommend better financial products.

3. Pricing Pricing (2026-10, USD)

Plan	Price / mo	Key limits & who it fits
Consumer app	$0 (free)	Backed by Goldman Sachs; no subscription fee.
Current status	Discontinued	Shut down in 2021; all user data deleted.

Note: Clarity Money is no longer available. Goldman Sachs did not ship a direct replacement with the same subscription-tracking feature set; Marcus by Goldman Sachs focuses on savings/loans.

4. Integration Access & integrations

Access type	Details
Formerly mobile app (discontinued)	Bank/CC aggregation (retired) — iOS, Android (removed)

5. Reviews & Sources External reviews

Source	Rating	What it says
Pros	—	Completely free with a clean subscription-tracking interface.
Pros	—	Trusted brand backing from Goldman Sachs.
Pros	—	Effective at surfacing forgotten subscriptions.
Cons	—	No longer available — shut down in 2021.
Cons	—	Required bank-account connection (privacy consideration).
Cons	—	No replacement provided by Goldman for its core features.

6. Best for / Not for Fit

✔ Suitable	✘ Not suitable
• US consumers wanting free subscription tracking and budgeting. • Users already in the Marcus/Goldman ecosystem.	• New users — the app is gone; choose a live alternative. • Anyone needing ongoing data retention or migration.

7. Competitors How it compares

Competitor	How it differs	Best for
Clarity Money (hist.)	Availability: Discontinued 2021; Free tier: Yes (was); Subscription find: Yes	Was free find
Rocket Money	Availability: Active; Free tier: Limited; Subscription find: Yes	Negotiation
Monarch Money	Availability: Active; Free tier: No; Subscription find: Yes	Modern budget
Mint (hist.)	Availability: Retired 2023; Free tier: Was free; Subscription find: Limited	Former free

8. Summary Verdict

Takeaway	Clarity Money was a genuinely useful, free subscription-tracking and budgeting app, and its 2021 shutdown left a gap that paid alternatives have since filled. If you liked what it did, Rocket Money (with bill negotiation) or Monarch Money are the closest living successors; privacy-first users who dislike bank connections can try statement-upload tools.
Who should pick it	US consumers wanting free subscription tracking and budgeting.
Who should skip it	New users — the app is gone; choose a live alternative.