BUDGETING
Most budgets die by February. Yours doesn't have to.
Budgets fail when they're rigid, judgemental and exhausting to maintain. Plouta's budgeting flexes with real life quick to update, kind when you slip and clear about what actually matters.
Budget, Spending and Accounts — one tap apart
If checking your budget takes longer than your coffee break, you'll stop checking.
Plouta organises everything into three simple tabs — Budget, Spending and Accounts — so the answer to 'can I afford this?' is always one tap away. Set spending plans by category, see how the month is tracking, and drill into any account when you need detail.
Plan by category: See exactly how much is left in each category, at a glance.
Live spending view: Watch the month unfold in real time instead of discovering the damage later.
Detail when you want it: Jump from the big picture to a single bank's transactions in one tap.
Capture spending in seconds, not Sunday afternoons
The number one reason people abandon budgeting: keeping it updated feels like a part-time job.
Plouta makes capture nearly effortless. Scan a receipt and it becomes a categorised transaction. Upload a bank statement and the month fills itself in. Splitting dinner with friends or organising family expenses? Built in.
Receipt scanning: Snap it, done. The receipt is captured, categorised and stored.
Statement upload: One upload organises weeks of transactions automatically.
Bill splitting: Split costs with family or friends and keep everyone's share clear.
Budgeting that strengthens your whole financial life
A budget that lives in isolation tells you nothing about whether you're actually getting ahead.
Every budgeting habit you build in Plouta feeds your Financial Wellness Score so sticking to your plan visibly improves your overall financial health, and connects directly to the goals you're saving towards. And when a budget question becomes a life question ('should I overpay the mortgage or invest?'), a real, regulated adviser is one tap away.
Feeds your Wellness Score: Consistent budgeting lifts your score progress you can measure.
Linked to your goals: Connect budgets to savings goals so restraint has a purpose.
Adviser on standby: When you outgrow the app's answers, talk to a human who's qualified to give real ones.
Know where you stand in the next five minutes.
🛡️Bank-level security. Your data is encrypted and never shared.
Everything you need to know
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No. Plouta works through statement uploads, receipt scanning and manual entry, so it works with any bank in any country.
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No. Plouta never connects to your accounts and cannot make payments or changes.
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A personalised score out of 100 based on your income, spending, savings, debt and habits, with guidance on how to improve it.
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Yes. Because Plouta doesn't rely on bank connections, it works anywhere in the world.