Wake up.

Americans are
being Fleeced.

Don't be a Sheep.

Banks, lenders, and financial institutions quietly collect billions in fees and interest every year — from people who don't even know it's happening. Plenee shows you exactly how much, and what to do about it.

Ram
The cost of doing nothing
$0
How much the average American
overpays every single year.
Not one big hit. Dozens of quiet ones — fees, interest, missed rates — draining your account every month while the banks count the difference.
0M+
transactions analyzed
0
fee categories tracked
0%
of users find a surprise
Credit Card Interest
$1,380
Average annual interest paid
per American household.
At 24.9% APR, carrying the national average $5,500 balance costs over $100 every month in interest alone. The minimum payment barely touches the principal.
$5,500avg balance
24.9%avg APR
~$114/mointerest on min payment
17 yearspayoff on minimums
Overdraft & NSF Fees
$35
Charged for being $24 short.
Over and over again.
Banks collected $5.8 billion in overdraft fees last year. The average overdraft triggers on a $24 transaction. That $35 fee is a 146% effective APR.
$24avg overdraft amount
$35fee charged
146%effective APR
$5.8Bcollected annually
Idle Cash Opportunity Cost
$258
Lost every year leaving $6,000
in a big-bank savings account.
Big banks pay 0.46% on savings. High-yield accounts pay 4.75%. On $6,000 idle, that gap costs you $258 a year. Most people have no idea.
0.46%big bank rate
4.75%HYSA rate
4.29%rate gap
$258/yrlost on $6,000
BNPL Deferred Interest
$340
Backdated interest on a balance
you thought was 0%.
Deferred interest plans charge all accrued interest from day one if you miss the payoff deadline. Miss by $1. Get charged for the whole year. One in three users gets hit.
0%promo rate for 12 mo
26.99%post-deadline APR
Day 1interest backdated to
1 in 3users affected
Payday & Short-Term Loans
391%
Average APR on a payday loan.
Legal in 37 states.
A $400 payday loan for two weeks costs $60 in fees — 391% annualized. 80% roll over within 14 days, turning one emergency into months of compounding debt.
$400avg loan
$60fee per 2 weeks
80%rollover rate
391%effective APR
The full picture
$4,200
Total annual overpayment
for the average American.
Credit card interest. Overdraft fees. Idle cash. BNPL traps. Payday loans. Over $4,000 a year quietly leaving your account — and going to the bank.
$1,380CC interest
$340bank fees
$258idle cash loss
$420BNPL & other
$1,802loan fees

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Stop paying more
than you should.

Plenee shows you the true cost of every financial decision — and the path to keeping more of what you earn.

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$4,200+
avg. annual overpayment per U.S. household†
$840
avg. in avoidable bank fees per U.S. household†
94%
of U.S. households face at least one unexpected fee†
2min
estimated time to first insights after linking accounts

† Based on CFPB, Federal Reserve, and industry research. Individual results will vary.

Fee & Interest Detection

See every dollar the bank
quietly took from you.

Plenee scans your full transaction history and surfaces every fee, interest charge, and overdraft — categorized, totaled, and shown as a single number. Most users are surprised by how big it is.

See your number
Last 12 months · All accounts
$1,423
in fees & interest paid
Credit card interest — $842
Overdraft & NSF fees — $175
BNPL fees — $94
Personal loan interest — $312

Cash Flow Calendar

Know what's coming
before it hits.

Plenee projects your daily balance 30, 60, and 90 days forward — flagging days where you're at risk before they become overdrafts or late fees. Green means covered. Red means act now.

See your forecast
30-Day Forecast — Checking
Safe Tight At risk

Debt Payoff Engine

Pay off debt faster.
Pay less interest doing it.

Plenee shows how an avalanche payment order — highest APR first — compares to what you're doing now. Same income. Same expenses. A different order that saves thousands.

See your payoff plan
Avalanche order by APR
Chase Sapphire24.9% APR
Affirm (kitchen)19.9% APR
Personal Loan11.5% APR
Debt-free projection Aug '27
↑ 14 months sooner than minimum payments

Historical Simulation

What last year would have
looked like with Plenee.

We replay your last 12 months using your actual income and spending — but with an optimal payment order. The difference is what you would have kept instead of paying the bank.

Run your simulation
Last 12 months · Interest paid
What you paid
$1,842
→
Optimal order
$614
$1,228
you could have kept
This simulation uses your actual income and spending. Only the order of payments changes. No additional money assumed.

Your Financial Dashboard

Everything at a glance.

Live view of your fees, cash flow, debt payoff, and savings opportunities — all in one place.

Fees Avoided This Year
$0
vs. last year
↑ 34% better than last year
Idle Cash Opportunity
$2,840
earning near 0% in checking
0.01%4.75% HYSA
→ +$135/yr in a HYSA
Active Alerts
3
$320 car payment due in 3 days — funds tight
Affirm deferred interest deadline: 14 days
Electric $180 due in 7 days — covered ✓
30-Day Cash Flow Forecast
Checking projection
Safe Tight At risk
Interest Paid (12 mo)
$0
across all accounts
Debt-Free Date
Aug '27
↑ 14 months sooner with avalanche
Avalanche Stack
Highest APR first
Historical Simulation
Optimal order last year saved
$0
Same money. Smarter order.
Fee & Interest Breakdown
Last 12 months
Credit card interest$842
Bank fees (OD, ATM)$175
BNPL fees$94
Personal loan interest$312
Total $1,423
Plenee could identify $980
What Optimal Payment Order Would Have Saved You
You paid
$1,842
in interest
→
Optimal order
$614
↓ save $1,228
Simulation uses your actual income and spending. Only payment order changes. No extra money assumed.

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No conflicts. Ever.

Every analysis Plenee runs works only for you. We have no financial relationship with any bank, lender, or product we mention.

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Your Interests Only
We receive no commissions, referral fees, or compensation from any bank, lender, or product we mention. Our only revenue is your subscription.
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🇺🇸 United States only

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Plenee provides financial information and analysis tools, not personalized financial advice. Plenee Co. is not a registered investment adviser, broker-dealer, or financial planner. All scenarios and projections are estimates based on your data and may not reflect actual future results. Legal Disclosures & Notices →