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Manual-first. Sync when you want.

Know what every dollar is for. Before it disappears.

Plot turns today’s money into a deliberate plan—and connects it to the rest of your financial life. Enter things yourself or securely sync the accounts you choose. Either way, you keep the final say.

Join the waitlist See how Plot works

Plot is invite-only right now. We’ll email you when a place opens.

  • Works fully manual
  • Optional Plaid sync
  • Review before changes
  • No ads or data selling
Example workspace · June Your plan
Ready to Assign $2,810
Ready to plan
Rent$0
$1,650 target
Groceries$0
$540 target
Dining$0
$220 target
Future you$0
$400 target

1 Bank updateWaiting for your review
✓ Manual entryAlways available

Built around your decisions

01 Plan 02 Review 03 Adjust 04 See the whole story
01 · The method

From account to action in three deliberate moves.

Plot gives automation a seat at the table—not the head of it. Start your way, review what changed, then make the decision that fits your life.

PlotIllustrative product view
YOUR ACCOUNTS

Choose your starting point

Both work together

✓ Your budget never depends on a bank connection.

02 · The daily workspace

A budget should help you decide—not make you decode it.

Plot keeps the entire month legible: what you planned, what actually happened, what is left, and what needs attention. This is a faithful preview of the real workspace.

03 · Built for real life

Today’s trade-offs. Tomorrow’s trajectory. One connected story.

Plot starts with the next dollar, then grows with everything that dollar touches.

WHEN THE PLAN CHANGES

Adjust without pretending it didn’t happen.

Overspending stays visible until you address it. Move money in a focused flow, choose Ready to Assign when that is the honest destination, and keep the month coherent.

  • No mystery math
  • Move history you can follow
  • Past and future months stay consistent
Dining−$48.00Overspent
Cover $48.00 from Groceries $194.00 available Move $48.00
FOR A HOUSEHOLD

One budget. Personal and shared where you choose.

There are no separate budget types to juggle. Every budget starts with you, then grows as you invite people. Give each category to one participant or several, filter the plan by person, see who funded and paid, and protect personal registers or categories with owner-selected privacy.

See household questions
FOR THE LONG VIEW

See what the month is building toward.

Follow net worth, loans, property, investments, live-priced crypto, and retirement projections without leaving the system where you make daily decisions.

  • Net worth over time
  • Loan payoff and equity
  • Retirement scenarios
NET WORTH$137,420Illustrative example
12-month change+$24,180 Debt paid down$8,420 On trackRetirement
04 · Your setup, your rules

Manual and connected are not competing modes.

Use the right tool account by account. Cash can stay manual. Your daily card can sync. A loan can be tracked by hand. Everything still lands in the same honest plan.

How bank sync works
＋
ManualFast entry · full control
Your Plot planOne source of truth
↻
Secure syncPlaid · review first
05 · Private by principle

Your money isn’t the product.

Plot earns money from software—not ads, targeting, or selling your financial data. The product is designed to keep access narrow, decisions explicit, and control in your hands.

Read our security approach
01Argon2id passwords

Your password is one-way hashed with a unique salt. Plot cannot read it.

02Optional two-factor

Add authenticator-based protection and hashed, one-time backup codes.

03Protected connections

Plaid tokens and application secrets are encrypted; connection changes are explicit.

04Manual always works

Disconnect or never connect. Your existing Plot history and planning workflow remain yours.

06 · Simple pricing

One plan. The whole financial story.

Plot is preparing self-serve access now. Join the waitlist and we’ll invite you when checkout is ready—there is no charge or trial until then.

Included from day one

  • ✓ Zero-based budgeting and rolling targets
  • ✓ Manual accounts and optional Plaid sync
  • ✓ Review-first transaction Inbox
  • ✓ Participant profiles, privacy, funding, and settle-up
  • ✓ Reports, net worth, loans, and retirement
  • ✓ Property, investment, and crypto tracking

No ads · no data selling · cancel anytime

Pro Opening soon
$6.99 /month

Billed monthly

Join the waitlist

Plot is invite-only right now. We’ll email an invite when a place opens.

07 · Questions

The things you should ask a money app.

Do I have to connect my bank?

No. Plot is fully useful with manual accounts and transactions. Optional Plaid sync is there only when you want it, account by account.

Does bank sync change my budget automatically?

No. New transactions, bank edits, and possible matches wait in your review Inbox. You decide what enters the plan and how it is categorized.

What happens if I disconnect an account?

The connection stops syncing. Transactions you already approved stay in Plot, and you can keep using the account manually.

Can I budget with another person?

Yes. Every budget begins with you as its sole participant—there is no separate “shared” budget type. Invite someone when you are ready, then make each category personal or shared, set exact responsibility shares, track each person’s funding and payer, filter the plan by participant, and choose whether personal registers or plans stay private.

Can we each have a Toiletries category?

Yes. Create one for each participant and keep them personal, while categories such as Mortgage can belong to both of you. Shared lines show each person’s funding and the overall total; personal-plan privacy can keep unrelated categories out of the other person’s view.

Does Plot work well on a phone?

Yes. Plot is a responsive web app built for full everyday use on phones, tablets, and desktops—not a cut-down mobile view.

When will I be charged?

Joining the waitlist starts neither a trial nor a charge. Once checkout is live, you’ll see the plan, trial, renewal price, and billing terms before choosing whether to continue.

How is my account protected?

Plot uses Argon2id password hashing, revocable hashed sessions, optional authenticator-based two-factor security, hardened browser headers, and strict per-budget access controls. See the Security page for the precise details.

THE NEXT DOLLAR IS YOURS TO DECIDE

Make the plan.
Watch the story change.

Start manually, connect what you want later, and keep every decision in one calm place.

Join the waitlist