Seven free days on any tier. Cancel any time, in one tap, no friction. The tiers differ on one honest axis: how much of your money Plumb can see — and how far the advice can reach. All of it live, from your accounts. Never from a credit report running 45 days behind your life.
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
At onboarding, you’ll set one outcome with the Coach, in dollars — a $1,500 net savings increase, $3,000 of card debt cleared, a three-month emergency floor fully funded. It’s measured from your live accounts, not from a report that runs two months behind. If you complete at least 70% of the recommended moves through the year and the outcome isn’t hit at month 12, we refund the full year within 14 days.
No appeals process. No fine print. No “we tried our best.” If we said your finances would be measurably better, and they aren’t, we owe you the year back. That is what an outcome-priced product looks like.
Nothing happens. We don’t charge you for the 7 days. Your data is deleted within 30 days unless you ask us to keep it.
No. Plumb doesn’t pull your credit report at all. Everything we know comes from the accounts you connect — read-only, bank-grade, and invisible to lenders. Nothing Plumb does appears on a credit report.
Because advice is only as good as the data underneath it. Credit reports run 30 to 45 days behind your real balances, so we don’t build your plan on them. Each tier connects more of your live accounts — cash first, then your cards and loans, then your investments — and the plan covers exactly what Plumb can see.
No. Plumb is financial coaching and education — we help you build a plan and walk you through it. We are not a Registered Investment Advisor and do not offer investment, tax, or legal advice, even when your investment accounts are connected on Plumb Premier. For those, we’ll point you toward the right professional.
Yes. Move up a tier instantly and connect the new account types the same day; we’ll pro-rate the difference. Move down at the next billing cycle.
Most card issuers, student-loan servicers, and mortgage lenders share the full picture — APRs, minimum payments, due dates. A few loan types (some auto and personal loans) share balances only. The Coach works with everything your institutions provide and tells you plainly when something is missing.
Settings → Subscription → Cancel subscription. One tap, one confirmation screen, and you’re done. No retention modal, no “before you go” survey, no discount offer. Your access continues until the end of the billing period; your plan and report stay in your archive.