Automatic Rule
Updated over a week ago

The Automatic rule uses Plum's AI technology to analyze your income, transactions, and available balance. That way it can calculate the appropriate amount to set aside, entirely based on your needs.

How it works

  • When you connect your bank account to Plum, it looks at your bank transactions from the last 3 to 12 months. This helps Plum understand your spending habits as well as your income streams.

  • Plum uses this information to figure out how much money it can safely set aside for you without making you feel restricted. It does this every few days based on how you've been spending lately.

How to Set Up

Please follow the steps below to set up the Automatic rule:

  1. Open the app and find the Brain.

  2. Tap on “Automatic”.

  3. You can turn it on or off, like a light switch.

  4. You can also choose how much money you want Plum to save by picking a “Mood” in the app.


Moods is a feature of the Automatic rule which lets you decide how much money you want Plum to set aside every time. The default mood is Normal 😊

If you want to put aside more money, you can use:

  • Eager 😎 (25% more than Normal)

  • Ambitious 🤑 (50% more than Normal)

  • Beast Mode 🦁 (75% more than Normal)

If you want to put aside less money, you can use:

  • Chilled 😴 (25% less than Normal)

  • Shy 🙈 (50% less than Normal)

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