Observable Finance
A real financial model for your household
What this is
A personal finance tool that connects your real bank accounts via Plaid and lets you build a flexible model of your household's money instead of a rigid budgeting app.
Our one-line summary — not the founder’s tagline.
- How it works
- Connects real bank accounts through Plaid and pairs them with a spreadsheet-native modeling engine where every cell is a formula, letting users build custom financial models rather than use a fixed template.
- What's different
- Instead of only showing where money already went, it lets users model outcomes and answer forward-looking questions like affordability of a mortgage on a lower income.
- Best for
- People who want to build their own financial model rather than fit their finances into a rigid template.
What we measured
Nobody else publishes this — it comes from knocking on the door every day.
- Watched by us
- 12 days
- Last checked
- 5d ago
Where it shows up
Every group here is a page of its own — each one checked daily.
The numbersIs it still shipping, is it overpriced, where did it land — and what the price is built from.
League price & chart
No money. No seat. It goes on your record — and in 28 days reality settles it.
Calls are closed while we rebuild accounts. You can still read every one of them.
Finance. Launched 12d ago on PeerPush, where it placed #506. Today, it's been quiet for 11 days and the price has started to bleed.
Already bleeding a little every day, and it accelerates the longer it stays quiet.
We check this site every day, ourselves. A founder can post “still working on it” — a claim like that doesn't price. What we price is what we can verify from the outside: evidence, not announcements. The real question isn't “will this be huge?” — it's “will they still be moving in four weeks?”
The market viewHow this launch is priced and ranked in our league — the investor side of the page.
ranked by the reality anchor, not the market price
It placed #506 on PeerPush with 4 votes.
No matter how much money goes in. There is no pump here — you can't make yourself right by buying more. The line only moves on things that actually happened: an award, revenue that grew, a new platform, code that shipped — or silence.
A launch that goes quiet eases down a little at a time — never a cliff you could have run from the night before.
How the launch is moving on its own board, day by day — the crowd's attention.
A flat line is normal: votes stop within a day or two of launch, on every board. What's unusual — and what actually counts — is a launch that keeps pulling votes long after its day is over.
About
Observable Finance is a real financial model for your household. It pairs a spreadsheet-native modeling engine with real bank connections through Plaid, so you can track and plan your money in one place. I built it out of frustration with traditional personal finance apps: they sync your accounts and show you where your money already went, but they don't help you decide what to do next, and they box you into one rigid way of doing things. I've never met two people who model their finances the same way, so why force everyone into the same template? A finance app should take away the tedium of updating accounts, then get out of your way so you can model the outcomes you actually care about. Because every cell is a formula, with built-in financial functions, you can answer questions a normal tracker can't: Can we still afford the mortgage if one of us takes a lower-paying job? How much can we realistically save for vacation this year? What's the most tax-efficient way to use our retirement accounts, and how much would it save us? On security: your bank data flows through Plaid, the same connection layer behind Venmo, Robinhood, and Bill.com. Observable Finance never sees or stores your bank credentials, and connections are read-only, so the app can't move money. The free tier includes the full modeling engine, no card required. Bank syncing and household sharing are $9/month.
Where it launched
1 platform| Platform | Votes | Counts toward price | Link |
|---|---|---|---|
| PeerPush | 4 | sets the price | ↗ |
The board it did best on sets the price. Every other board only adds to it if the launch also placed high on that board too — because just showing up somewhere isn't an achievement. Listing on twelve directories is free; placing well on them isn't.
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