Ashley Albright, a successful and lucky Manhattanite, meets Jake Hardin, a down-on-his-luck young man. After a chance encounter, they unexpectedly exchange fortunes. Ashley's seemingly perfect life takes a turn for the worse while Jake's luck suddenly improves. As they navigate their new lives, they must confront the unpredictability of fate and the consequences of their choices. Will they be able to regain control over their destinies or will their lives forever be intertwined?

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Some movies that have similar genres and were produced around the same time as Just My Luck include CJ7, The Spiderwick Chronicles, Tuck Everlasting, The Little Matchgirl, Bridge to Terabithia, First Daughter.