A plan. A coach. The data when you want it.
A year-long plan, an AI coach that knows your numbers, the deep data when you want it, and a printed report when you finish. Each tier connects more of your money — cash, then debts, then investments — and at the top, a human in the loop and a guarantee.
A year-long plan, written for your real situation.
Twelve months. Twelve themes — Visibility, First Win, Momentum, and the rest. Weekly moves. Real explanations of why. Real estimates of what changes. Plain English throughout.
The plan is the product. Not a card, not a loan, not a dashboard.
Two moves this week. Both small.
Built on your live accounts. Never on a stale report.
Credit reports run 30 to 45 days behind your actual balances — too old to plan a week around. So Plumb doesn’t use them. You connect your real accounts through a bank-grade, read-only connection, and the advice stands on what’s true this morning.
Read-only means read-only. Plumb can’t move money, can’t see your bank login, and never touches your credit.
An AI that knows your data and uses it.
Always on. Knows your balances, your bills, your spending patterns, your goals. Answers your questions; asks you good ones in return. Calm, plain, never cute.
Voice mode arrives in 2027. Until then, type.
“Hi. I noticed your last paycheck came in $200 lower than usual. Want to talk about it, or should I leave it for now?”
“Bonus didn’t hit. I’ll get it next month.”
“Got it. Nothing to worry about then. I’ll keep this week’s plan as-is — your floor still holds.”
For when you want the dashboard.
A tabbed deep view across Cash, Debts, Net worth, and Categories — built from your live accounts. Sortable account and debt tables. Per-card APR, balance, and minimum. In and out, month by month. The works — in the Plumb palette.
Calm depth, not anxious depth.
Down $486 since April · live from your lenders.
You finish the year. You hold the year.
A printed report mailed in a kraft envelope. Designed in serif on uncoated stock. The numbers in monospace. The arc fully filled. A summary the brand stands behind.
Year One ends. Year Two is your choice.
Twelve months.
Your name · Year One
Each tier connects more of your money — and, at the top, a human.
The tiers differ on one honest axis: how much of your money Plumb can see. Plumb connects your checking and savings — your cash life, covered completely. Plumb+ adds your credit cards and loans — every APR, minimum, and due date, and a paydown plan ordered by real interest cost, plus the printed Year-End Report and priority support. Plumb Premier adds your investment and retirement accounts — your full net worth, live — plus two written plan reviews from a credentialed counselor (CFP or AFC): one at month six, and a closing one in the Goodbye Kit mailed in week fifty-one — a plan for the years after Plumb. Plus a money-back outcome guarantee and phone support.
Every tier is the complete product for the accounts it covers — nothing inside is crippled. And we don’t send a welcome kit at sign-up. The category locks new users in with stuff; we don’t. Instead, we earn the goodbye — twelve months of being good, then a beech-wood card, a handwritten note, and a printed Year-End Report on your doorstep.
Seven free days. Cancel in one tap.
We mean every word.
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