A guide for wealth

See your whole
financial picture.

Then keep more of it.

Plenee Navigator brings every account, debt, and dollar into one clear view — then does the heavy lifting for you: finding wasted fees and interest, and guiding you forward toward saving money, saving time, and building wealth. For every income level.

Your complete picture
$248,300▲ Net worth, up $4,180 this month
🏦
Cash & savings
$18,420
📈
Investments
$96,540
🏠
Property & assets
$182,000
💳
Debts
−$48,660

The real problem

Before anyone overpays,
they're left in the dark.

At every income level, the first struggle is the same: people can't see their whole financial situation in one place. Without a clear picture of accounts, debts, cash flow, and net worth, planning becomes guesswork — and guesswork is expensive.

⏳

Hours spent, still in the dark

Many people track their finances by hand every month and still can't answer simple questions about where they really stand.

🌀

Never fully in control

Others never get debt, savings, and cash flow working together — so money quietly leaks, year after year.

Checking
Savings
Credit cards
Car loan
401(k)
Brokerage
Mortgage
BNPL
Crypto
↓
One clear view
Net worth, cash flow & every dollar — together

How Plenee works

Four steps, from confusion to confidence.

The same product for everyone — it simply meets you where you are.

1

Map

Every account, asset, and debt aggregated into one live view — your complete net worth, finally visible.

2

Simulate

Forward-looking forecasts of your cash flow and net worth, so you see what's coming before it arrives.

3

Recommend

Ranked, unbiased next steps — clear options with the math shown. You always decide and execute.

4

Guide

The right action surfaced at the right moment, so good decisions happen on time, not too late.

You stay in control. Plenee shows you what to do — it never moves your money, opens accounts, or makes a transaction.

Why Plenee is different

Other apps show you the past.
Plenee shows you the way forward.

Most money apps are rear-view mirrors — they total up what you already spent. Plenee Navigator looks ahead: forecasting what's coming, catching savings before you lose them, and guiding you toward where you want to go.

Other financial apps

Looking backward

  • ✕Show you what you already spent
  • ✕Categorize the past into charts
  • ✕Leave the next move up to you
  • ✕Warn you after the fee already hit
Plenee Navigator

Looking forward

  • ✓Forecasts your cash flow and net worth
  • ✓Flags fees and interest before they cost you
  • ✓Surfaces the next best move, with the math
  • ✓Guides you toward where you want to go
💰

Saves you money

Plenee surfaces the unnecessary fees, interest charges, and missed rates draining your accounts — then shows you exactly how to keep that money instead.

⏱️

Saves you time

Plenee does the heavy lifting — aggregating, analyzing, and flagging what matters — so you can focus on the essentials instead of spreadsheets and statements.

📈

Builds your wealth

Every dollar you stop losing gets redirected toward growing your own net worth — turning small recovered amounts into long-term wealth.

$1.2T+
in interest & fees taken from U.S. consumers in 2025†
130M
U.S. households Plenee Navigator is built to help
$0
in ads or data sales — now and always
1 view
every account, debt, and dollar in one place

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

Level 1 · Map

Everything you own and owe,
in one clear view.

Plenee brings your checking, savings, cards, loans, investments, property, and more into a single live picture — so your complete net worth is finally visible. It also surfaces the fees and interest quietly leaving your accounts, so nothing stays hidden.

See the full picture
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

Level 2 · Simulate

Know what's coming
before it arrives.

Plenee projects your daily balance and net worth 30, 60, and 90 days forward — gently flagging the days that look tight before they turn into an overdraft or a late fee. Green means covered. Amber means plan ahead.

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

Level 3 · Recommend

Pay debt in the order
that costs you least.

Plenee shows how an avalanche order — highest interest rate first — compares to what you're doing now. Same income, same expenses, just a smarter sequence. You see the math, then you decide. Plenee never moves a dollar for you.

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

Level 4 · Guide

See what a smarter year
would have kept.

Plenee replays your last 12 months using your actual income and spending — just with better timing and order. The difference is money you could have kept and put toward your own net worth instead of someone else's.

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.

Built for every wealth level

Same product. Wherever you are.

Whether you're climbing out of debt or managing millions, the problem is the same — money leaking where you can't see it. Plenee meets you where you are.

Getting ahead

Find your footing

Carrying debt · building from the ground up

"Stop the late fees and pay down debt in the order that actually saves money."

  • Eliminate overdraft & late fees before they hit
  • Debt payoff in the lowest-cost order
  • Bill timing that keeps you covered
Building wealth

Make money work

Earning well · leaving money on the table

"Your idle cash and account choices are quietly costing you thousands a year."

  • Put idle cash to work at better rates
  • Smarter debt and savings sequencing
  • Net worth tracked and trending up
Optimizing wealth

Keep what's yours

High net worth · fleeced at scale, quietly

"Management fees, tax inefficiency, and advisor costs can run into tens of thousands a year."

  • See AUM & advisory fees in plain dollars
  • Tax-efficiency and account sequencing
  • The true time cost of managing it all
Ram

The extraction economy

Don't be a sheep.

The financial system is built to quietly take a little from everyone, at every level — an estimated $1.2–1.35 trillion in interest and fees in 2025 alone. Most of it is avoidable once you can see it. Here's where it tends to hide.

A quiet, steady drain
$0
What an average household
loses to avoidable costs each year.
Rarely one big hit — usually dozens of small ones. Fees, interest, and missed rates that add up quietly every month. The first step to keeping it is simply seeing it.
0M+
transactions analyzed
0
cost categories tracked
0%
of users find something
Credit Card Interest
$1,380
Average annual interest paid
per American household.
At around 24% APR, carrying the national average balance costs over $100 every month in interest alone — and 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 a few
dollars short — again and again.
Banks collected billions in overdraft fees last year. The average overdraft triggers on a $24 transaction — making that $35 fee an effective APR of over 140%.
$24avg overdraft amount
$35fee charged
146%effective APR
$12.4Bcollected annually
Idle Cash Opportunity Cost
$258
Lost each year leaving $6,000
in a near-zero savings account.
Big banks pay around 0.46% on savings while high-yield accounts pay 4.75%+. On $6,000 sitting idle, that gap quietly costs about $258 a year — and most people never notice.
0.46%big bank rate
4.75%HYSA rate
4.29%rate gap
$258/yrlost on $6,000
Management & Advisory Fees
$30,000
A year in fees on a $3M portfolio
at a typical 1% AUM rate.
It sounds small as a percentage. In dollars — and in the returns that money would have compounded into — a 1% fee can quietly cost $375,000+ over a decade.
1%typical AUM fee
$30,000per year on $3M
$375K+10-year compounded cost
Often hiddenin statements
Tax Inefficiency & Time Cost
10–20hrs
A month spent managing money
by hand — plus tax left on the table.
Wrong account sequencing, missed tax-loss harvesting, and fees for automatable tasks add up. For high earners, the hours alone carry a real and recurring cost.
10–20 hrsper month manual work
$3K–$20Kadvisory/accounting fees
Account ordertax drag
Recurringevery year
The full picture
$1.2T+
Taken from U.S. consumers
in interest and fees in 2025.
It scales with wealth and changes form — overdraft fees at one end, management fees at the other. Plenee's job is simple: make it all visible, whatever your level.
Lower wealthfees & high-APR debt
Middle wealthidle cash & sequencing
High wealthAUM, tax & time
Every levelmade visible

Scroll to explore

Your financial dashboard

Your whole picture, at a glance.

Net worth, cash flow, debt payoff, fees, and savings opportunities — one live view, working for you.

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.

Try it now

Estimate what you could keep.

Move the two sliders. You'll get a rough idea of what Plenee could help you recover or redirect each year — at any income level.

$0
estimated you could recover or redirect each year

🔒 None of your answers are stored, recorded, or tracked.

Estimate only. Your exact numbers come from your own linked accounts.

Our Promise

No ads. No data sales.
No conflicts. Ever.

Plenee earns only from your subscription — so our one incentive is to grow your net worth. We have no financial relationship with any bank, lender, or product we mention.

🛡️
No Advertising
We never show ads and never earn referral fees. Plenee is a subscription product — our only incentive is to be genuinely useful to you.
🔒
No Data Sales
Your financial data is yours. We will never sell, rent, or share it with third parties for marketing purposes.
⚖️
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.

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 →  ·  Privacy Policy →