All your money, one honest number.
Plainmo links your banks and cards and turns the numbers into clear, plain-language answers — what you're worth, what's safe to spend today, which subscriptions are draining you, and whether your cards earn their fees. No spreadsheets, no finance degree.
Free to start · Read-only · Bank-level encryption
Net worth
$128,450
▲ $2,310 this month
Safe to spend
$1,940
▲ Comfortable until payday
After upcoming bills are set aside
Money health
82/100
Strong
- 3 subscriptions found−$47/mo
- Savings rate18%
Illustrative preview. Your real numbers appear the moment you connect an account.
What Plainmo does for you
One place to understand your money — and actually do something about it.
Know your true net worth
Every account — checking, savings, cards — rolled into one honest number, tracked over time so you can see it climb.
See what's safe to spend
Plainmo forecasts your cash flow and subtracts the bills that haven't hit yet, so you know what you can actually spend before payday.
Budgets that pace you
Set a simple monthly limit and Plainmo tells you not just what you've spent, but whether you're on track to stay under.
Catch quiet subscriptions
It finds the recurring charges and forgotten subscriptions draining your accounts, so you can cancel what you no longer use.
Know if your cards are worth it
Plainmo weighs each card's rewards and credits against its annual fee and tells you plainly: keep it, downgrade, or cancel.
Just ask Plainmo
Ask plain-language questions like “can I afford this?” or “where did my money go last month?” and get answers from your real numbers.
Up and running in about a minute
Connect your accounts
Securely link your banks and cards in a minute through Plaid. It's read-only — Plainmo can see your transactions, never move your money.
Plainmo does the math
It reads your transactions and quietly works out your net worth, safe-to-spend, budgets, subscriptions, and card value.
Get plain-English answers
No jargon, no dashboards full of charts you have to decode — just clear numbers with a verdict and a next step.
Your money and your data stay yours
Connecting your accounts is a big trust. Here's exactly how Plainmo protects them.
Read-only, always
Plainmo can view your transactions to show you insights. It can never move, send, or spend your money — there's no capability to.
Encrypted end to end
Everything travels over encrypted connections and is encrypted at rest. Your bank access tokens get an extra layer of AES-256 encryption on top.
Bank links through Plaid
Connections run through Plaid, the same service trusted by thousands of major finance apps. You enter your bank login with Plaid — never with us.
Your data is yours
We never sell your data or use it for ads. Delete your account anytime and Plainmo removes your data and disconnects your banks.
Plainmo requests only your transactions — never your Social Security number, full account numbers, or the ability to move money. Read our full Privacy Policy.
See your whole money picture
Link an account and Plainmo turns your transactions into clarity — in about a minute.