Most budgeting apps just count your spending 👎
Plentio shows you where to cut, where to invest, and how to clear debt faster 🚀
All your accounts, policies, and statements — transformed into a clear, adjustable budget. No spreadsheets required.
PAY DAY-TO-DAY
10 781.77
paid
18 300.00
budget
Available 24/7, no commission bias, no sales pitch. Just sharp analysis and honest answers about your specific situation.
AI Advisor
You're paying R1,100/month more on your car loan than the minimum — that clears it 14 months early. But your credit card at 21.5% costs you more than your car loan at 11.75%.
RECOMMENDED ACTION
Redirect R1,100 to your credit card first — saves you R8,400 in total interest.
Hidden fees, exclusion clauses, expiring cover — flagged before they become costly surprises.
Retirement Annuity fees at 2.8% — above benchmark
Life Cover — R650k shortfall on total debt
Life Cover — must notify insurer if occupation changes
Home Loan at 9.71% — due for annual rate renegotiation
Debt competes with investing
Retirement feels abstract
Savings happen "if there's something left"
Emergency fund feels out of reach
Maps your real financial position
Identifies opportunities to save, invest and cut debt
Shows debt vs investment trade-offs
Builds an easy to follow financial plan
Securely connect your banking, insurance and investment accounts, or manually upload your contracts and statements for analysis.
Our AI categorises your transactions instantly, giving you a full picture of your financial health before your coffee cools down.
Secure bank-level encryption
Independent security testing
24/7 AI monitoring
Data remains yours
upload any statement, policy document or contract
Your budget is automatically created by AI based on your income and spending. Every transaction is categorised and every Rand gets a job.
Plentio calculates the mathematical "best next move" based on your situation and goals.
Monthly & annual view
Split transactions
Notes & tags
Transfers
Don't just track — take action.
Unlike a typical adviser, Plentio's AI isn't tied to any product or provider — no commission, no sales pitch. It simply suggests the moves that benefit you, and adjusts as life changes.
From "where do I start?" to "what do I do next?" — Plentio maps out exactly what to do, in what order, with what amounts — and adjusts as your situation changes.
Trade-off analysis
Retirement projections
Weekly reports
Debt pay-off strategies
completed
in progress
next up
Grounded in your data, with up-to-date repository of South African legislation, tax tables, Section 10C, TFSA limits, Reg 28 — Plentio knows the rules of this market.
When you ask a question, it runs real calculations against your numbers to give specific, personalised guidance. It's not generic tips from the internet.
Plentio reviews your contracts and policies in insurance, life cover and medical aid to highlight what really matters, what's hiding in the fine print and where lie the gotchas.
Policies are scanned for hidden fees, exclusion clauses, and mismatches. Your RA fees too high? You'll know within minutes.
Fee alerts
Rate reviews
Benchmarking
Gotchas
Retirement Annuity fees at 2.8% — above benchmark
Your current RA fee structure is significantly eroding compound growth over a 20-year horizon. View simulation
Life Cover — must notify insurer if occupation changes
Failure to do so may result in cancelled benefits, especially for sickness, permanent incapacity, and occupational disability cover.
Home Loan at 9.71% — due for annual rate review
Based on your payment history, you likely qualify for a better rate. Read our guide on successful negotiations.
Connecting your accounts is optional. If you choose to connect, access is strictly read-only — Plentio can see your transaction data but can never move money or make changes to your accounts. Any credentials needed to maintain that connection are encrypted and stored securely. Prefer not to connect? You can simply upload your statements or transaction history instead, and Plentio works exactly the same way.
Yes. Plentio uses bank-level AES-256 encryption at rest and TLS 1.3 in transit. Your data is hosted in secure, SOC 2-compliant data centres. We undergo regular independent security testing and never share or sell your data to third parties.
Most budgeting apps just show you where your money went, or teach you their budgeting methods. Plentio tells you what to do next — and watches your back on policies, fees, spending habits — adjusting plan as your life changes.
Absolutely. You can manually upload bank statements, policy documents, and contracts. Plentio's AI will analyse them just the same. Connecting accounts simply automates the process and keeps your data up to date in real time.
ChatGPT gives generic advice based on what it's read online. Plentio's AI runs real calculations against your actual data — your income, expenses, policies, interest rates — and knows South African legislation, tax tables, and product rules. It gives specific, personalised guidance, not internet summaries.
Yes. Plentio supports shared household accounts so you and your partner can plan together. Both of you can connect your individual accounts, and Plentio combines them into a single financial view with shared budgets and goals.
Plentio is currently in early access. Sign up now to lock in founding member pricing when we launch. We're committed to making professional-grade financial planning accessible to everyone.
(these are real, unedited Facebook posts, with original spelling and punctuation preserved)
Hi, I'm Mark.
I'm a software product builder, and I've spent years developing complex software and systems — but when it came to my personal finances, I outsourced my financial decisions to an adviser.
I had the usual mix of products — a retirement annuity, TFSA, life cover, investments — but I never felt like I had a solid grasp on any of it. I was seemingly "doing the right things," but still had that low-level anxiety that I might be missing something... or everything.
So one day I started digging. I pulled apart every statement, every product brochure, every line of fine print on every policy — trying to figure out what I actually had, what it was costing me, and whether it all made sense.
What started as frustration became a full-blown obsession. I realised there was a huge gap between the tools people had access to — and what they actually needed to feel confident with their money.
Plentio is my attempt to close that gap.
It unpacks the confusing parts of personal finance — explaining things in plain language, exposing what really matters, and giving you clarity without the jargon.
My belief is simple: you shouldn't need a financial degree — or a financial adviser — to understand what's happening with your money.
Mark Karimov
Plentio Founder
