PLENTY MEMBERSHIP

14 day free trial. Cancel and pay nothing.

14 day free trial.
Cancel and pay nothing.

Starting solo

$150

per person, per year

Sign up starting solo

Get everything that partner members get.

Add a partner anytime.

Starting solo

$150

per person, per year

Sign up starting solo

Get everything that partner members get. Add a partner anytime.

Hidden fees? Nope, we show you everything.

->

Hidden fees?

Nope, we show you everything.

->

For the price of a night out…

For the price of
a night out…

Take control of your future, together. See where you are today, where your money is going, and invest smarter to turn your dreams into reality.

Exclusive to Plenty

Plenty Exclusives

Which includes

5.10% APY

4.83% APY

Cash Management


Cash Management

That's AFTER our 0.2% management fee

That's AFTER our 0.2% management fee

A Plenty managed portfolio of money market funds, 99.5%+ invested in government-backed treasuries.

Earn up to 0.3% more for cash you don't need right away by accessing T-Bills in just a few clicks.

Earn up to 0.3% more for cash you don't need right away by accessing T-Bills in just a few clicks .

Next gen roboadvisor

0.4% management fee

Smarter investing in the market: own portfolios of 80-90 securities for a decades-old strategy of 'direct indexing'





Reap tax loss harvesting benefits fully to earn a 2-4%* higher after tax return per year.

Next gen roboadvisor

0.4% management fee

Invest like the wealthy using a next-generation roboadvisor for ‘direct indexing’. Effortlessly own portfolios of 80-90 securities with direct investments into stocks, not just ETFs.

Earn a 2-4% higher after-tax return through advanced algorithmic tax-loss harvesting applied automatically on your account.*

Personalized goals

Personalized goals for the milestones that actually matter and are relevant to you.

Step-by-step guidance for creating and reaching goals, and celebrating progress along the way.

Personalized goals

Personalized goals for the milestones that actually matter and are relevant to you.

Step-by-step guidance for creating and reaching goals, and celebrating progress along the way.

Account tracking & forecasting

Partner up and choose which accounts to provide visibility into, and which to keep private.

One place to stay on top of all your accounts; see where you are and look into the future with account-level forecasting.

Cashflow & Budgeting

Understand how much you’re earning, spending, and saving for the future. Budgeting for those who don’t like to budget.

See month to month trends for your top categories and dive into transactions, only when you need to.

Account tracking & forecasting

One place to stay on top of all your accounts; see where you are and look into the future with account-level forecasting.





Partner up and choose which accounts to provide visibility into, and which to keep private.

Cashflow & Budgeting

Understand how much you’re earning, spending, and saving for the future. Budgeting for those who don’t like to budget. S

See month to month trends for your top categories and dive into transactions, only when you need to.

Shared investing with a partner

Partner up, but maintain control through the use of individually-owned investment accounts.

Build towards your dreams, faster. Collaboratively set goals and create plans to reach them together.

Shared investing with a partner

Build towards your dreams, faster. Collaboratively set goals and create plans to reach them together.





Partner up, but maintain control through the use of individually-owned investment accounts.

  • Account history

  • Unlimited connected accounts

  • Tax documentation

  • Automatic reinvesting

  • Automatic portfolio rebalancing

  • Risk tolerance setting

It's not magic.
Just low fees and smart investments.

It's not magic.
Just low fees and smart investments.

Unfortunately, the finance world is filled with hidden costs and fees. We prefer to let you know exactly where your money’s going, and what you could get back. Have a look for yourself.

Investment Management
$10,000
$1,000
Compared to
Low-Cost ETF
A low-cost ETF is an 'exchange traded fund' that seeks to copy a specific index (like the S&P500) or asset class. They usually require less active trading and have lower fees as a result. Creating a diversified portfolio with these usually requires an investor to manually trade a set of different ETFs, and to monitor the mix over time.
Plenty
Them
Market
Return
The 1-year return based on the historical performance of an actual 85% stock / 15% bond portfolio. Actual performance with each provider will differ.
6.40%
6.40%
Mgmt
Fees
Management fees are charged for creating and maintaining a portfolio. Managing a portfolio involves planning the target mix, trading, and maintaining that mix when prices go up or down.
-0.40%
0.00%
ETF
Fees
These are also known as an 'expense ratio' for exchange traded funds. They're a type of management fee that is paid directly to an ETF manager.
-0.12%
0.00%
TLH
Benefit
TLH, or 'Tax-Loss Harvesting', is an advanced strategy used to minimize taxes. Investors offset taxable gains by selling investments that have gone down. Investors may re-invest the money into different stocks. For income levels above $100k, tax-loss harvesting benefits can be 2-4%. Please see disclosures below.
3.00%*
0.00%
Total
Return
Total After-Tax Return, After Fees
8.88%
6.40%

You could earn$36,455$0more in 10 years

$166.4K porfolio total
Returns Mar 2024
Plenty$39.39
Low-Cost ETF$3.08
$9.8K
$19.5K
$29.3K
$39.1K
2025
2027
2029
2031
2033

We've already made a few

Some of our

fans

Questions?

Questions?

What’s the catch? Any hidden fees?

How does the free trial work?

How does the partner membership work?

What if I’m not ready to invite my partner yet?

What if I’ve earned a referral bonus?

Do you offer additional pricing tiers if I have more money with you?

Plenty was founded to democratize access to financial products and tools that accelerate wealth building. Plenty Financial and affiliated entities. (“Plenty Financial”) provide a web, mobile, personal financial management and educational platform to consumers; some of these tools are freely accessible to all consumers, others require a fee-based subscription. Advisory services are provided in the form of software-first financial planning and investment advisory services for fee-based Subscribers. Plenty Financial RIA, LLC is an SEC-Registered Investment Advisor. All investments made are legally owned by you. Investing is inherently risky and Plenty does not guarantee positive performance. Investments are held in accounts at BNY Mellon | Pershings, the world's largest securities servicing company and are SIPC insured. Investing involves risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time.


Brokerage services are provided by Atomic Brokerage LLC "Atomic Brokerage", member FINRA and SIPC. Clearing and custody services are provided by Brokerage firm BNY Mellon Pershing, member SIPC. Plenty Financial RIA, LLC has a relationship with Atomic Brokerage to manage and execute investments on behalf of customers. Subadvisory services are offered through Atomic Invest LLC ("Atomic Invest"), an SEC-registered investment advisor, member SIPC. Atomic Invest was formerly known as Helium Advisors LLC.


Return data used in the interactive tool are hypothetical performance data which contains inherent limitations and is not a substitute for actual investment returns derived from a live portfolio. There are numerous risk factors related to trading and markets which cannot be fully accounted for when depicting Hypothetical Performance. Consequently, future returns are not guaranteed, and a loss of principal may occur. THIS IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON AS INVESTMENT ADVICE. This site/application has been prepared by Plenty and is not intended to be (and may not be relied on in any manner as) legal, tax, investment, accounting or other advice or as an offer to sell or a solicitation of an offer to buy any securities of any investment product or any investment advisory service. The information contained in this site/application is superseded by, and is qualified in its entirety by, such offering materials. This site/application may contain proprietary, trade-secret, confidential and commercially sensitive information.


By accessing this site, you signify your agreement with and understanding of the following Terms of Use and Legal Information pertaining to both this site and any material in it. Plenty owns and maintains this site. No act of downloading or otherwise copying from this site will transfer title to any software or material at this site to you. Anything that you transmit to this site becomes the property of Plenty, may be used by Plenty for any lawful purpose, and is further subject to disclosure as deemed appropriate by Plenty, including to any legal or regulatory authority to which Plenty is subject. Plenty reserves all rights with respect to copyright ownership of all material at this site, and will enforce such rights to the full extent of the law.


Plenty was founded to democratize access to financial products and tools that accelerate wealth building. Plenty Financial and affiliated entities. (“Plenty Financial”) provide a web, mobile, personal financial management and educational platform to consumers; some of these tools are freely accessible to all consumers, others require a fee-based subscription. Advisory services are provided in the form of software-first financial planning and investment advisory services for fee-based Subscribers. Plenty Financial RIA, LLC is an SEC-Registered Investment Advisor. All investments made are legally owned by you. Investing is inherently risky and Plenty does not guarantee positive performance. Investments are held in accounts at BNY Mellon | Pershings, the world's largest securities servicing company and are SIPC insured. Investing involves risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time.


Brokerage services are provided by Atomic Brokerage LLC "Atomic Brokerage", member FINRA and SIPC. Clearing and custody services are provided by Brokerage firm BNY Mellon Pershing, member SIPC. Plenty Financial RIA, LLC has a relationship with Atomic Brokerage to manage and execute investments on behalf of customers. Subadvisory services are offered through Atomic Invest LLC ("Atomic Invest"), an SEC-registered investment advisor, member SIPC. Atomic Invest was formerly known as Helium Advisors LLC.


Return data used in the interactive tool are hypothetical performance data which contains inherent limitations and is not a substitute for actual investment returns derived from a live portfolio. There are numerous risk factors related to trading and markets which cannot be fully accounted for when depicting Hypothetical Performance. Consequently, future returns are not guaranteed, and a loss of principal may occur. THIS IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON AS INVESTMENT ADVICE. This site/application has been prepared by Plenty and is not intended to be (and may not be relied on in any manner as) legal, tax, investment, accounting or other advice or as an offer to sell or a solicitation of an offer to buy any securities of any investment product or any investment advisory service. The information contained in this site/application is superseded by, and is qualified in its entirety by, such offering materials. This site/application may contain proprietary, trade-secret, confidential and commercially sensitive information.


By accessing this site, you signify your agreement with and understanding of the following Terms of Use and Legal Information pertaining to both this site and any material in it. Plenty owns and maintains this site. No act of downloading or otherwise copying from this site will transfer title to any software or material at this site to you. Anything that you transmit to this site becomes the property of Plenty, may be used by Plenty for any lawful purpose, and is further subject to disclosure as deemed appropriate by Plenty, including to any legal or regulatory authority to which Plenty is subject. Plenty reserves all rights with respect to copyright ownership of all material at this site, and will enforce such rights to the full extent of the law.


Plenty was founded to democratize access to financial products and tools that accelerate wealth building. Plenty Financial and affiliated entities. (“Plenty Financial”) provide a web, mobile, personal financial management and educational platform to consumers; some of these tools are freely accessible to all consumers, others require a fee-based subscription. Advisory services are provided in the form of software-first financial planning and investment advisory services for fee-based Subscribers. Plenty Financial RIA, LLC is an SEC-Registered Investment Advisor. All investments made are legally owned by you. Investing is inherently risky and Plenty does not guarantee positive performance. Investments are held in accounts at BNY Mellon | Pershings, the world's largest securities servicing company and are SIPC insured. Investing involves risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time.


Brokerage services are provided by Atomic Brokerage LLC "Atomic Brokerage", member FINRA and SIPC. Clearing and custody services are provided by Brokerage firm BNY Mellon Pershing, member SIPC. Plenty Financial RIA, LLC has a relationship with Atomic Brokerage to manage and execute investments on behalf of customers. Subadvisory services are offered through Atomic Invest LLC ("Atomic Invest"), an SEC-registered investment advisor, member SIPC. Atomic Invest was formerly known as Helium Advisors LLC.


Return data used in the interactive tool are hypothetical performance data which contains inherent limitations and is not a substitute for actual investment returns derived from a live portfolio. There are numerous risk factors related to trading and markets which cannot be fully accounted for when depicting Hypothetical Performance. Consequently, future returns are not guaranteed, and a loss of principal may occur. THIS IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON AS INVESTMENT ADVICE. This site/application has been prepared by Plenty and is not intended to be (and may not be relied on in any manner as) legal, tax, investment, accounting or other advice or as an offer to sell or a solicitation of an offer to buy any securities of any investment product or any investment advisory service. The information contained in this site/application is superseded by, and is qualified in its entirety by, such offering materials. References made to endorsements by our users are not indicative of future performance and do not imply any guaranteed level of service, skill or training.  Investors should not rely on endorsements for any purpose and should conduct their own review prior to participating.  Our users are not “promoters” and are not compensated for their reviews.


For TLH assumptions used in the interactive tool: From 1/1/2020 - 3/31/2022, we calculate that weekly tax-loss harvesting would have generated an additional 3.0% in annualized return for an investor with a long-term capital gains rate of 15% and an assumed ordinary income tax rate of 32%. This additional return is based on 100% investment in equity; the weighted average benefit for an entire portfolio would depend on an investor’s risk score and asset allocation.

This analysis excludes transaction and management fees, as well as ESG or other customizations. Different tax rates will produce different results, as will other historical periods. Past performance is no guarantee of future results.


By accessing this site, you signify your agreement with and understanding of the following Terms of Use and Legal Information pertaining to both this site and any material in it. Plenty owns and maintains this site. No act of downloading or otherwise copying from this site will transfer title to any software or material at this site to you. Anything that you transmit to this site becomes the property of Plenty, may be used by Plenty for any lawful purpose, and is further subject to disclosure as deemed appropriate by Plenty, including to any legal or regulatory authority to which Plenty is subject. Plenty reserves all rights with respect to copyright ownership of all material at this site, and will enforce such rights to the full extent of the law.