An AI budget manager who actually executes — moves money when you overspend, optimizes your debt payoff, and handles the tedious parts so you don't have to.
30-day free trial. No credit card required.
Plutus add-on is $10/month after trial.
You know budgeting works. The problem is doing it.
You still do all the work: categorizing transactions, moving money between categories, calculating debt payoff strategies. They're glorified spreadsheets with nicer fonts.
Financial professionals handle investment strategy and tax planning — the big picture. But who handles the daily budget? Categorizing last Tuesday's grocery run? Moving $50 to cover a parking ticket? Right now, that's all you.
Hours every month categorizing, planning, calculating. One unexpected expense throws everything off and suddenly you're three weeks behind. That's when most people stop budgeting entirely.
Powered by Anthropic's Claude — not a rule-based chatbot. Plutus reasons about your full financial picture, then proposes specific actions. You approve with one tap.
Real scenarios. Real actions. You confirm everything.
Talk to Plutus like a person. No menus, no forms. Just say what you need.
Talk to Plutus like a person. No menus, no forms. Just say what you need.
Spending trends, category health, net worth tracking, debt projections — all from a single question.
Move money between categories, create transfers, allocate income. Plutus proposes, you confirm.
Meridian remembers which categories you use for each payee. Plutus can batch-categorize new imports in seconds — you approve each one.
Compare 4 payoff strategies: snowball, avalanche, interest amount, and cash flow index. Pick the winner and Plutus applies it.
"Build me a budget for $5,000/month income." Plutus creates the category structure and assigns amounts as a starting point.
"Show me all Amazon purchases last quarter." Instant results from your full history.
Approve all transactions, clean up categories, move money across multiple envelopes in one conversation.
Set up bills, subscriptions, and savings transfers. Meridian handles them from there.
"Reconcile my checking account." Plutus compares your balance against the bank, imports missing transactions, and locks verified records.
| Plutus | YNAB / EveryDollar | Budget Coach | |
|---|---|---|---|
| Cost/year | $120* | $99–Free | $1,200–3,600 |
| Takes action for you | Yes | No | No |
| Available 24/7 | Yes | N/A | No |
| Debt optimization | 4 strategies | Limited | Varies |
| Setup time | 2 minutes | Hours | Weeks |
| Manages daily budget | Yes | You do it | You do it |
*Plutus add-on only. Meridian base subscription separate ($5/mo or $50/yr). Plutus and financial advisors serve different purposes — advisors handle investment management, tax strategy, and estate planning. They complement each other well.
Privacy isn't a premium feature. It's a guarantee.
Every account starts with zero AI involvement. Plutus only sees your data when you subscribe and open the chat. Not before, not ever without your explicit choice.
We don't sell your data. We don't use it for training. When you use Plutus, conversation context goes to Anthropic's API for processing — nothing else.
Plutus proposes actions, you confirm them. A card shows exactly what will change before anything happens. Read-only questions don't change anything and don't need confirmation.
Cancel the Plutus add-on and AI access stops immediately. Delete your account and your data is gone completely. No retention, no backdoors.
New to Meridian? Start with the 30-day free trial. Already a subscriber? Add Plutus from Settings.
Full budgeting app, zero AI
30-day free trial. No credit card required.