Wellthplan

Wellthplan is a personal finance app designed to help people understand what they can safely spend today while staying on track for tomorrow. It organizes transactions into three clear categories: Needs, Wants, and Savings, then uses bills, income, and spending activity to provide a safe-to-spend figure. The app connects to financial accounts through Plaid, with read-only access and encrypted connections.

Features include automatic transaction sorting, category and merchant budgets, cash-flow calendars, recurring-bill and subscription tracking, spending alerts, and a home-screen budget widget. Users can set goals such as building an emergency fund, paying off debt, saving for a trip, or planning for retirement. Wellthplan also brings cash, investments, property, and debt together to show a broader net-worth picture.

Its money coach, Benjamin, answers questions using a user’s actual financial information, offers proactive check-ins, and supports chat and voice conversations. Weekly and monthly Rundown summaries present financial activity in a story-like format. Shared plans let couples or family members manage accounts, budgets, and goals together.