A twelve-month plan, built around your real life. Calm where the category is loud. Plain where the category is jargon. Finite where the category never lets you go. Launching in the US this fall.
We don’t sell you a credit line, a card, or a loan. We sell you a year-long plan, written for your real situation. Specific moves, real explanations, honest milestones.
Credit reports run 30 to 45 days behind your life, so Plumb doesn’t use them. The Coach reads the accounts you connect — balances as of this morning — and tells you the move, the deadline, the impact, and where the money comes from.
Twelve months. A start, a middle, a graduation. We’re not trying to keep you here forever. We’re trying to leave your finances in a better place than we found them.
Connect your accounts and answer three short questions about the year ahead. We do the rest — categorising six months of spending, reading your real balances and bills, drafting a plan you can actually read. No manual data entry, no spreadsheets, no homework.
Link your accounts through a bank-grade, read-only connection. No credit pull — ever.
The Coach reads your situation and writes a 12-month plan, organised by month with weekly moves.
Two or three small moves a week. Plain explanations. The Coach is on, always.
A printed Year-End Report shows what changed. You finish the year — or stay on a lighter maintenance plan.
Most apps give you a chart and leave you to interpret it. Plumb writes the interpretation for you, every week, against your actual numbers — as they stand today, not as a report remembers them from 45 days ago.
“Your Discover balance is $1,712 at 26.7% APR — about $38 in interest next month if it sits. Sending $220 on Friday keeps your checking above its $500 floor and clears the card by October. The single best move available to you.”
If you want the full picture — every account, every debt, every category, year-over-year — it’s there. Bone background, ink type, brass for what’s moving. Calm depth, not anxious depth.
Web is a first-class platform. Many users prefer reviewing finances on a 27″ screen.
+$612 this month · three accounts, live
Each tier connects more of your money — cash, then debts, then investments — and the advice covers exactly what Plumb can see. Pick a plan, get seven free days. Cancel anytime in one tap — no retention loop, no “before you go” survey, no friction.
Your cash, seen clearly.
per month · 7 days free
Now with your debts in view.
per month · 7 days free
The whole picture. Plus a human.
per month · 7 days free
“For the first time in my adult life, I am not anxious about my money. I just have a plan.”
“I stopped moving money around in a panic on Sundays. That is the whole review.”
“The Coach caught a subscription I had forgotten about since 2023. Then the numbers just showed me the rest.”
“My partner and I disagree about money less. We disagree about the same thing, with the same numbers in front of us.”
“I have never enjoyed a finance app. I do not enjoy this one either. But I open it, and I trust it. That is a first.”
No card surprises. Plain explanations from day one. Cancel in one tap.
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