Know exactly what's safe to spend today.
Know what’s committed, what’s flexible, and what’s yours to use to plan for the future.
Securely connects your accounts from 12,000+ institutions
Chase
Bank of America
Wells Fargo
American Express
Capital One
Fidelity
Charles Schwab
Robinhood
Ally
US Bank
Citi
DiscoverChaseBank of AmericaWells FargoAmerican ExpressCapital OneFidelityCharles SchwabRobinhoodAllyUS BankCitiDiscoverHow it works
Every dollar is a Need, a Want, or Savings
Know what life actually costs
Rent, groceries, gas — every transaction is classified automatically so your essentials are accounted for before anything else. One glance at the gauge tells you where you stand.
Your money coach
Meet Benjamin
Ask anything about your money. Benjamin answers from your actual transactions, balances, and plan — not generic advice.
Proactive check-ins: Trends, upcoming bills, and freed-up savings surface before you ask.
Alerts in plain English: Say “warn me if checking drops below $500” and Benjamin makes it a live rule.
Guided goal setup: Emergency fund to debt payoff, step by step.
The Rundown
Your money, told like a story
A swipeable, wrapped-style review of every week and month, hosted by Benjamin.
Accounts
Every account, one net worth
Cash, investments, property, and debt roll into a single number that moves as your accounts do.
Linked in seconds: Banks, cards, brokerages, BNPL, and loans.
Beyond the bank: Add your home, vehicles, and valuables so the picture is complete.
Connections run through Plaid — read-only and encrypted. We never see your credentials.
Net worth
$122,740
Cash
$18,240
Invested
$64,900
Assets
$52,000
Debt
-$12,400
Cash
$18,240
Checking
Chase
$6,412
High Yield Savings
Ally
$11,828
Invested
$64,900
Brokerage
Fidelity
$64,900
Assets
$52,000
2019 Tacoma
Added manually
$52,000
Debt
-$12,400
Auto loan
Capital One
$12,400
And that's not all
Built for real financial life
Shared Plans
Money is a team sport. Invite your partner or family into one plan with its own accounts and goals.
August
S
M
T
W
T
F
S
Cashflow calendar
Income and bills laid across the month so nothing sneaks up on you.
Recurring
$248.42 / mo
NetflixRenews Sep 3$22.99
SpotifyRenews Sep 6$11.99
VerizonDue in 2 days$94.00Subscriptions & bills
Recurring charges detected automatically, with alerts before they hit.
Progressive Goals
Guided setups for an emergency fund, debt payoff, retirement, and more.
Safe to Spend
$1,869
after bills & savings · 7d
Home screen widget
Your safe-to-spend gauge sits on your phone's home screen, no app open required.
Text BenjaminComing soon
Opt in to SMS and check on your money without opening the app.
Smart alerts
Budget thresholds, merchant activity, and low-balance warnings on your terms.
Trim review
4 of 12Still using Netflix?
$22.99/mo
Price increased $2.99/mo last month
Trim spending
A guided review that finds Wants you won't miss and turns them into savings.
Face ID
Require Face ID to unlock Wellthplan and approve sensitive changes.
Unlock with Face ID
Face ID lock
Keep the app behind biometrics for one more layer of privacy.
Built for privacy
Your money stays yours
Accounts link through Plaid with bank-level encryption. Access is read-only — we can look, and that's all.
What Wellthplan can see
- Transactions and spending activityREAD
- Account balancesREAD
- Income depositsREAD
- Upcoming bills and recurring chargesREAD
What it can never do
- Move money or make transfersBLOCKED
- See or store your bank login detailsBLOCKED
- Change or close your accountsBLOCKED
- Sell or share your data with advertisersBLOCKED
Linked through Plaid
256-bit encryption and the same connection Venmo and Robinhood use.
Locked to your face
Face ID or a passcode gates the app itself, on top of your device lock.
Delete it all, anytime
Unlink an account or wipe your data from one screen. No email required.
Pricing
One plan. Everything included.
Everything you just saw, one subscription. Start free for 14 days — cancel anytime.
Then $199.99/yr. Cancel anytime.
Ready when you are
Link a bank, see your first gauge, and start turning what's left into savings — it takes about two minutes.