Personal Financial Management
How top personal finance apps are built
Get clean, actionable financial data—so you can build smarter features that keep users coming back.
The foundation for smarter personal finance
An industry-leading onboarding
Get user accounts linked in seconds with the industry’s most familiar flow.
A complete financial picture
Use data from thousands of financial institutions to give users a panoramic view.
A wealth of data-driven insights
Deliver personalized, actionable insights from organized data that’s ready to use.
12k+ financial institutions
connect with Plaid throughout the U.S., Canada, UK, and Europe
1M+ new connections
every day with Plaid
7% conversion lift
from returning user experiences used by top PFM customers (relative)
Convert more users
with less work
Get users linked and engaged fast with a proven onboarding flow, global coverage, and tools developers love.
Convert up to 25% more customers
Welcome users with a familiar flow trusted by millions and optimized for conversion.
Connect accounts reliably
Support 12,000+ financial institutions across the U.S., Canada, UK, and Europe.
Ship fast, scale faster
Go live quickly with developer-friendly APIs, clear docs, and responsive support.
Convert more users
with less work
Get users linked and engaged fast with a proven onboarding flow, global coverage, and tools developers love.
Convert up to 25% more customers
Welcome users with a familiar flow trusted by millions and optimized for conversion.
Connect accounts reliably
Support 12,000+ financial institutions across the U.S., Canada, UK, and Europe.
Ship fast, scale faster
Go live quickly with developer-friendly APIs, clear docs, and responsive support.
Craft a full financial picture, fast
Pull clean, structured data from thousands of institutions to show users where they stand across spending, debts, and investments.
Make sense of spending
Get up to 24 months of transaction history, sorted by merchant, category, and location.
Track assets and liabilities
Show balances, terms, and holdings to help users monitor net worth and financial health.
Craft a full financial picture, fast
Pull clean, structured data from thousands of institutions to show users where they stand across spending, debts, and investments.
Make sense of spending
Get up to 24 months of transaction history, sorted by merchant, category, and location.
Track assets and liabilities
Show balances, terms, and holdings to help users monitor net worth and financial health.
Turn raw data into
personalized insights
Build features users can act on, powered by clean, organized data that stays up to date.
Make smarter features
Use AI-enhanced categorization and enrichment to turn raw transactions into meaningful insights.
Keep insights fresh
Give up-to-date guidance with automatic transaction sync and refreshes.
Tailor insights to your users
Find recurring charges and counterparties to build custom budgets, alerts, and recommendations.
Turn raw data into
personalized insights
Build features users can act on, powered by clean, organized data that stays up to date.
Make smarter features
Use AI-enhanced categorization and enrichment to turn raw transactions into meaningful insights.
Keep insights fresh
Give up-to-date guidance with automatic transaction sync and refreshes.
Tailor insights to your users
Find recurring charges and counterparties to build custom budgets, alerts, and recommendations.
Connie Crossley
Principal product managerThe toolkit behind the biggest apps in personal finance
Link
Let users quickly, securely connect financial accounts with a flow trusted by millions.
Connect financial accountsLayer
Authenticate returning users with just a phone number, reducing friction across the flow.
Authenticate returning usersTransactions
Get up-to-date transaction history to create a real-time financial picture.
See transaction insightsLiabilities
See credit card, loan, and mortgage data to help users track payments and manage debt.
View debt insightsInvestments
Show balances and holdings across brokerage, retirement, and crypto accounts.
Support portfolio trackingEnrich
Enhance transaction data with clean categories, merchants, and locations.
Standardize messy datacustomer stories
See who’s building what, with Plaid
Your questions, answered
Reach out if we didn’t answer yours.
How does Plaid's personal finance management solution provide fast and accurate data enrichment at scale?
Plaid’s PFM solution delivers fast, accurate enrichment by using AI-enhanced categorization and real-time updates across millions of transactions at scale.
How does Plaid support budgeting and expense tracking features in PFM apps?
Plaid supports budgeting by delivering categorized, enriched transaction data that helps apps track expenses, monitor trends, and set budgets.
How far back does Plaid’s transaction history go, and how accurate is it?
Plaid’s transaction history goes back up to 24 months, with enriched merchant names, categories, and locations for consistent, accurate analysis.
How does Plaid identify recurring transactions like bills, subscriptions, and payroll?
Plaid identifies recurring transactions by automatically spotting and summarizing patterns like subscriptions, bills, and payroll across linked accounts.
How does Plaid help apps deliver real-time spending and cash flow insights?
Plaid helps apps deliver real-time insights by syncing transactions and balances continuously, enabling up-to-date spending and cash flow visibility.
How does Plaid power investment tracking and portfolio insights?
Plaid powers investment tracking by providing holdings, balances, and transactions across brokerage and retirement accounts for portfolio analysis.
How does Plaid support building holistic financial visualizations that span a user’s spending, debt, and investments?
Plaid supports app visualizations by aggregating and categorizing transactions, debt, and investments—so you can build a real-time view of your users’ finances.
How does Plaid support app visualizations across spending, debt, and investments?
Plaid supports app visualizations by aggregating and categorizing transactions, debt, and investments—so you can build a real-time view of your users’ finances.
