Support & FAQ

Plot uses zero-based budgeting: give every dollar a job. Money you've received becomes "Ready to Assign," and you hand it out to categories until nothing's left unassigned.

It's the money you have that hasn't been given a purpose yet. The goal is to get it to $0 · every dollar working toward something.

Set a monthly funding target or a balance target on any category. Plot tracks your progress and offers one-click funding when you're short.

Its available balance goes negative (shown in red). Click it to cover the overspending by moving money from another category.

No. Add cash, checking, savings, credit-card, and loan accounts manually and keep using them that way for as long as you want. Plaid sync is optional and can be added account by account.

Choose which eligible checking, savings, cash, and credit accounts should create a new Plot account or feed one you already have. Other connected account types can provide balance context; loans remain manual. New transaction activity lands in your Review Inbox and never silently rewrites your plan.

Plot checks imported activity against transactions already in your account and can propose a match. You review the match before it becomes part of your approved history.

Plot shows the bank update in your Review Inbox. You choose whether to apply the change, keep the Plot version, or remove the transaction when appropriate.

Future synchronization stops. Transactions you already approved stay in Plot, and you can continue maintaining the account manually.

Open the account and choose Reconcile. Plot shows the exact adjustment before posting it, so the register and real-world balance agree without rewriting history.

No. Every budget uses the same participant model and starts with its creator as the sole participant. Invite another person when you are ready; personal and shared categories can live in the same plan.

Yes. For example, each person can have a personal Toiletries category. Participant labels and filters make ownership clear, while household categories such as Mortgage can belong to both people.

Set each participant’s responsibility and record how much each funding source contributed. A $100 category can show Brandon $60, Jamie $40, and $100 overall. Responsibility, funding, and who actually paid remain separate facts so settle-up stays accurate.

Record the transaction once in the account that really paid it and choose the shared category. Plot automatically uses the account’s owner as the payer, so you do not need to choose who paid each time. The category’s responsibility and funding history stay separate so settle-up stays accurate. If you need to correct an exception, edit the payer in the transaction’s details after saving.

The budget owner chooses an open plan, private registers, or private plans. With private plans, each person sees only categories assigned or explicitly granted to them; sharing a category with two people does not reveal it to anyone else.

Go to Account & Security → Set up 2FA, scan the QR code with your authenticator app, and save your backup codes.

Open Account & Security → Passkeys. You can add your current device, another phone, or a security key and remove any passkey you no longer recognize. Password and authenticator-app sign-in remain available.

Use Reset your password on the sign-in screen. We'll email you a secure, single-use link.

Yes. Plot never sells your financial data. Sensitive connection secrets are encrypted, and budget data is isolated by workspace so only members of that workspace can access it. See Security and Privacy for the precise details.

They compare your spending to people in a similar life stage. They're opt-in: your anonymized snapshot joins the pool that powers everyone's comparison, and aggregates only ever cover 5+ people.

Anytime · opt out on the Benchmarks page and your contribution is removed.