A financial coach that actually knows your portfolio.
Tax-free salaries to manage, NRE/NRO accounts back home, international brokerage holdings — Pluto handles the lot. Pluto plans, projects and decides with you — with an AI coach grounded in your real numbers (not generic chat).
Built for the way money actually works in 2026.
Not just another expense tracker. Pluto handles multiple currencies, joint planning, and a 60-year projection — natively.
NRE/NRO, international brokerages, and the rest — native
Tax-free salaries to manage, NRE/NRO accounts back home, international brokerage holdings — Pluto handles the lot. All seven currencies; net worth normalised to AED (د.إ) when you sign in.
A 60-year projection
Year-by-year, until age 90. Tune assumptions in real time. Layer in scenarios — maternity leave, job loss, a second flat — and see the shape of your future shift.
An AI coach that knows you
Ask anything. The AI is grounded in your portfolio via Model Context Protocol, so answers reference your actual numbers — never generic chatbot fluff.
Goals that coach themselves
Set a goal — emergency fund, home down payment, retirement. Pluto checks in weekly with a real-numbers nudge, not a dashboard you have to remember to open.
Statements that file themselves
Drop in the statements you already get. Pluto parses, dedupes, reconciles and categorises every line — so your whole picture stays current without you connecting a single bank login.
Tax-aware across borders
An ISA here, a 401(k) there, a flat in Bangalore. Pluto knows which wrappers shelter what, where double-taxation bites, and surfaces the moves worth making before each year-end.
The advisor 98 % of people can't afford — available 24/7, for less than a coffee.
Financial advisors are out of reach for most. Pluto makes the same kind of structured planning accessible — and because we're a coach, not an adviser, your data stays yours and there are no suitability hoops to jump through.
Simple pricing. Cancel any time.
14-day free trial. No card on the public plan.
Solo
For one person. AI included — or bring your own key.
- Full app — net worth, goals, transactions, 60-yr projection
- Pluto Genie coach — fair-use AI hosted for you, nothing to set up
- Power user? Connect your own AI for unlimited use at no extra cost
- All 7 currencies
- Cancel any time
Household most popular
For a couple. One plan, one bill, shared picture.
- Everything in Solo, for both partners
- Partner view + joint household planning
- Fair-use AI included — or bring your own key for unlimited
- Priority support
For employers
Financial wellness for global, multi-currency teams.
- Graded per-employee pricing, with or without AI
- SSO, employer dashboard, anonymised analytics
- Deterministic insights even with AI switched off
- 90-day free pilot
The financial picture you've been trying to assemble in a spreadsheet.
Built right. Multi-country. AI-native. Ready in 8 minutes.
Get started — 14 days free