Observable Finance

Observable Finance is a real financial model for your household. It pairs a spreadsheet-native modeling engine with real bank connections through Plaid, so you can track and plan your money in one place. I built it out of frustration with traditional personal finance apps: they sync your accounts and show you where your money already went, but they don't help you decide what to do next, and they box you into one rigid way of doing things. I've never met two people who model their finances the same way, so why force everyone into the same template? A finance app should take away the tedium of updating accounts, then get out of your way so you can model the outcomes you actually care about. Because every cell is a formula, with built-in financial functions, you can answer questions a normal tracker can't: Can we still afford the mortgage if one of us takes a lower-paying job? How much can we realistically save for vacation this year? What's the most tax-efficient way to use our retirement accounts, and how much would it save us? On security: your bank data flows through Plaid, the same connection layer behind Venmo, Robinhood, and Bill.com. Observable Finance never sees or stores your bank credentials, and connections are read-only, so the app can't move money. The free tier includes the full modeling engine, no card required. Bank syncing and household sharing are $9/month.