George (Cary Grant) and Marion (Constance Bennett) Kerby are as rich as they are irresponsible. When George wrecks their classy sports car, they wake up from the accident as ghosts. Realizing they aren’t in heaven or hell because they’ve never been responsible enough to do good deeds or bad ones, they decide that freeing their old friend Cosmo Topper (Roland Young) from his regimented lifestyle will be their ticket into heaven.
Topper, a wealthy bank president, is trapped in a boring job. Worse still, Clara (Billie Burke), his social-climbing wife, seems to care only about nagging him and presenting a respectable façade. On a whim, after George and Marion die, Topper buys George’s flashy sports car. Soon he meets the ghosts of his dead friends, and immediately they begin to liven up his dull life with drinking and dancing, flirting and fun.
The escapades lead quickly to Cosmo’s arrest, and the ensuing scandal alienates his wife Clara, however some of the people Clara would like to socialize with now because of Topper's scandal become interested in her and Topper. Cosmo moves out into a hotel with Marion who claims she is no longer married since she is dead. Clara fears she has lost Cosmo forever. The Toppers' loyal butler suggests that she lighten up a bit; she decides he’s right and dons the lingerie and other attire of “a forward woman.” After Cosmo has a near-death experience and nearly joins George and Marion in the afterlife, Cosmo and Clara are happily reunited, and George and Marion, their good deed done, gladly depart for heaven.
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