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 30 to 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 and the Coach set one specific dollar target — your Guarantee Outcome — recorded in your account and measured from your connected accounts. Then do the work: keep an account connected in each group your plan covers, complete at least 80%of your plan actions by their due date (the in-app record is the record), and keep your subscription in good standing for the full twelve months. If the outcome isn’t met, claim within 30 days of finishing month twelve, and we refund the Premier fees you paid — net of any discounts, excluding taxes, less a service-cost recovery of $5 per paid month (maximum $60) — within 30 days of approval. Worked example: twelve months at $34.99 = $419.88; refund = $359.88.
The guarantee is for people who see the year through: a chargeback, a request to pause or cancel, or a downgrade from Premier ends it. If something serious knocks you off course — an accident, a hospital stay — write to us with the story and reasonable proof, and we may extend the window or prorate the threshold, in good faith. The full conditions live in Section 8.2 of the Terms, and they all apply.
Nothing happens. We don’t charge you for the 7 days. Your personal data is deleted within 30 days of closing your account, except billing and consent records we’re legally required to keep.
No. We don’t pull credit reports. Everything Plumb knows comes from the accounts you connect, through read-only access. 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, and your plan and reports stay available read-only for 90 days after your paid period ends.