PLOT - Household Budgeting

PLOT currently has <20 beta users testing the core budgeting module. The target audience is couples in the UK managing separate bank accounts (estimated 8-12 million households). We're opening to 100 founding members in Q1 2026, then expanding to general availability. The blog post announcing PLOT has been shared on HackerNews, reaching the developer and product management community.

PLOT is for couples managing household finances with separate bank accounts who want to coordinate without creating a power imbalance. Specifically, it helps the exhausted "household chancellor" (the person managing the budget spreadsheet while their partner asks "can we afford this?") share that responsibility. It's also useful for individuals managing complex household finances who want privacy-first budgeting without banking app surveillance. Our beta users are primarily UK couples aged 25-40, cohabiting or married, who previously managed finances through spreadsheets or fragmented apps.

Other, Next.js 14, Supabase (Postgres + Auth + RLS), TurboRepo, Tailwind CSS, shadcn/ui, Vercel, PostHog, Cursor (AI coding tool), Claude Sonnet (AI coding assistant), Gemini (architecture assistant), Aikido (security monitoring), Dependabot, PostHog, Resend, Git (CoPilot), Akaido, Polar

PLOT is in private beta with <20 users testing the core Money module. Since the product requires monthly engagement (payday ritual), we're measuring success by cycle completion rather than vanity metrics. Current state: plotbudget.com (beta access only) Projections for Q1 2026: - 100 founding members (pay-what-you-like model) - 50%+ monthly active usage (users completing payday ritual each cycle) - Expansion from Money module to Tasks & Calendar modules based on user feedback Built entirely for £30/month using AI tools (Cursor, Claude Sonnet, Gemini), proving solo founders can now ship production SaaS at near-zero cost. This validates the "AI-assisted solo founder" model discussed in the accompanying blog post. Expected traction drivers: - SEO (blog posts targeting "household budget for couples", "manage money as a couple") - Direct outreach to couples experiencing the "household chancellor" problem - Word-of-mouth from founding members (each household represents 2 users) - HackerNews/developer community (AI development approach resonates with technical audience) Target: 500 active households by end of 2026, with each module launch validated by founding member demand before building. Blog posts: https://plotbudget.com/blog/ai-coding-part-1-why-i-stopped-feeling-guilty https://plotbudget.com/blog/how-to-manage-money-as-a-couple LinkedIn engagement with the idea: https://www.linkedin.com/posts/adam-b-b7547712b_buildinpublic-privacy-fintech-share-7405371122273185792-ppjp?utm_source=share&utm_medium=member_desktop&rcm=ACoAAB_tTMkBM_uCzB6dVOXtxgCES1fv9p4tlIg https://www.linkedin.com/posts/adam-b-b7547712b_buildinpublic-fintech-couplegoals-ugcPost-7415006549619986432-g8O0?utm_source=share&utm_medium=member_desktop&rcm=ACoAAB_tTMkBM_uCzB6dVOXtxgCES1fv9p4tlIg https://www.linkedin.com/posts/adam-b-b7547712b_buildinpublic-fintech-uxresearch-share-7424062694216994817-E9fg?utm_source=share&utm_medium=member_desktop&rcm=ACoAAB_tTMkBM_uCzB6dVOXtxgCES1fv9p4tlIg