Clarity FW review
A flexible UK employee benefit combining financial guidance, planning tools and wellbeing services.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Clarity FW is a UK-focused financial wellbeing platform for employers and employees. It combines financial education, one-to-one access to specialist financial advisers, a personalised financial health pathway, utilities savings, retail discounts, employee assistance services and financial planning tools. The platform covers topics including debt, budgeting, protection, mortgages, savings, investments, retirement and estate planning. Its AI financial guide, Clara, adds another route to financial guidance.
Pricing is structured as a freemium model with monthly per-employee plans. Clarity Free costs £0 and includes financial education, the Adviser Hub, a Financial Health Check and Utilities Cost Cutter. Discounts & Rewards costs £2.99 per employee per month and adds high-street discounts, cashback at 4,000+ UK retailers and a cashback card. EAP & GP 24/7 costs £3.99 and includes private GP access, an employee assistance programme, counselling and mental health support. Money Planner Pro costs £4.99 and adds pension, mortgage, savings, protection and financial snapshot tools. Full Bundle costs £9.99 and combines all four offerings.
The product’s main strength is breadth within an employee benefits package: employers can start with core education and guidance, then add practical financial planning, discounts or health support. Its eight CPD-accredited courses and adviser access support structured learning, while the Financial Health Check and learning pathway provide a more personalised route. The trade-off is platform scope and administration: access is web-only, employer reporting is aggregated where possible, and adviser services are delivered by third parties. Clarity FW suits UK employers seeking a bundled financial wellbeing benefit with transparent tiering. Organisations needing a broader access-channel mix or more detailed employer reporting should consider whether the platform’s delivery and reporting model fit their requirements.
Clarity FW pros and cons
- Where it wins
- Permanent free plan with education, adviser access and a health check
- Full bundle combines financial, retail, healthcare and assistance services
- Planning tools cover pensions, mortgages, savings and protection
- Where it doesn't
- Access is limited to the web platform
- Employer reporting is aggregated where possible
- Adviser services are provided by third parties
Clarity FW fact sheet, pricing and score →
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