Spreadsheet-native modeling
Every cell is a formula. Reference accounts by name. Project years forward. Build the income-and-spend waterfall the way a finance person would, without ever leaving the app for Excel.
A real financial model for your household.
Other apps watch your money. Observable Finance helps you figure out what to do with it. It's a spreadsheet-native modeling tool with real bank connections and live projections. Built for people who want control.
Every personal finance app shows you where your money went. Almost none help you figure out what to do with it.
We built Observable Finance because we wanted to model our own household finances the way a startup CFO models a business. A real spreadsheet, real formulas, and a clear waterfall from income to spend to savings to net worth. You can't get that clarity from someone else's model.
How it works
Your whole financial life in one spreadsheet.
Three things that work together, not three apps that pretend to.
Real bank connections
Connect checking, credit cards, brokerage, retirement, and loans through Plaid. Balances update automatically. Statement and current balances are tracked separately, the way your bank actually reports them.
Projections that update live
Change a single assumption (a salary bump, a savings goal, a new payment) and watch every downstream cell, chart, and net-worth line adjust in seconds. The whole model recomputes in the cloud.
Pricing
Free to start. Pro when you're ready.
The free tier is genuinely free. No 14-day countdown. Pro adds bank connections and household sharing.
Free
$
0
/forever
Build your model by hand. Everything you need to plan and project, no card required.
- Full spreadsheet modeling: formulas, cell references, projections
- Manual accounts, assumptions, and outputs tables
- Net worth, cash flow, and custom charts
- Up to 5 years of projections
Pro
$
9
/month
Connect your real accounts and share with your household. Cancel any time.
- Everything in Free
- Unlimited Plaid bank connections
- Auto-syncing balances and investment holdings
- Share your household with your partner
- Priority support
No setup fees. No usage limits. Cancel any time and you keep your data.
Your data, your control
Bank connections are powered by Plaid, the same infrastructure used by Venmo, Robinhood, and Coinbase. We never store your bank credentials. Encryption in transit and at rest. Disconnect any account at any time. We never sell, share, or analyze your data for advertising. Full stop.
Stop watching your money. Start understanding it.
The free tier has no time limit. Bring your own accounts when you're ready.