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.
Connect an account, project it forward with a formula, and watch every downstream cell and the net-worth line recompute.
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.
Security & privacy
Your money stays yours.
A finance app should make you feel safer, not more exposed. Here's exactly how we handle your data, and what we'll never do with it.
Read-only by design
We connect through Plaid to read your balances and holdings, nothing more. Observable Finance can't move your money: no transfers, no payments, ever.
Your bank login never touches us
You sign in to your bank inside Plaid, the same connection layer behind Venmo, Robinhood, and Coinbase. We never see or store your bank username or password.
Encrypted and private
Your data travels over encrypted connections, and your bank-connection keys are encrypted at rest with a 256-bit key. No ads, no trackers, no analytics, and we never sell or share your data.
You stay in control
No password to steal: sign in with a magic link or Google. Disconnect any account or permanently delete everything, whenever you want.
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.
Stop watching your money. Start understanding it.
The free tier has no time limit. Bring your own accounts when you're ready.