Your finances,
finally under control
Get the clarity and coaching you need to finally make progress with your money.
Seven days free · Cancel anytime
Loved by early users tracking their finances
You make decent money. So why does it still feel uncertain?
You're not bad with money. You've just never had a straight answer to the question that actually nags at you: am I going to be okay?
You feel behind, but behind what?
Everyone seems to have it figured out. You're left guessing whether you're actually on track.
Your money app is a rear-view mirror
It shows what you already spent, never what to do next.
Real advice was never built for you
Planners want $250k and charge thousands. So you've pieced it together from internet tips.
Generic AI gives generic advice
ChatGPT and Claude don't know your balance, your bills, or your goals. Planned connects to your real accounts, so the guidance actually fits your life.
“It depends on your budget. A common rule is to keep 3–6 months of expenses in savings before discretionary spending. Review your income and fixed costs, then decide what feels comfortable.”
Doesn't know your numbers, so it can only guess.
“Yes, you've got $4,200 saved and about $680/mo free after your bills. Book it, and I'll adjust your plan so you're still on track for your emergency fund.”
Grounded in your actual accounts, spending, and goals.
Everything you need to feel in control
Clarity on where you stand, guidance on what to do next, and the tools to actually follow through.
Finally know if you're okay
Your spending, savings, debt, and budget roll into one Financial Health Score, so you can stop quietly wondering if you're behind and see exactly where you stand.
A straight answer whenever money stresses you out
Ask your AI coach anything, day or night. It knows your real numbers and answers like a planner who's already seen your accounts, no $250k minimum required.
Actually make progress on your #1 goal
Crushing debt, building a safety net, saving for something big: Planned turns it into small steps and tracks every win along the way.
Know where every dollar goes
Connect your accounts once and every transaction sorts itself, with a heads-up before you blow past a budget. No spreadsheets, no end-of-month surprises.
Watch your net worth climb
See everything you own and owe in one place, then watch the number trend up over time. Proof the small decisions are adding up to something real.
Your money data stays yours
Bank-level 256-bit encryption, biometric login, and read-only Plaid connections. Planned reads your numbers to coach you and can never move a cent.
Up and running in minutes
No spreadsheets. No manual data entry. Just connect and go.
Connect your accounts
Securely link your bank accounts, credit cards, and investments via Plaid in under two minutes.
Get your score
Planned analyzes your transactions, spending habits, and savings to generate your personalized Financial Health Score.
Take action
Your AI coach gives you specific, actionable steps to improve your score and reach your financial goals faster.
Ask anything, get real answers
Your AI coach knows your budget, spending habits, and goals. Ask it anything, from “am I on track?” to “how do I pay off debt faster?”, and get advice that actually applies to you.
- Understands your full financial picture
- Answers questions in plain English
- Proactively surfaces opportunities to improve
Know exactly where you stand
Stop guessing whether you're doing okay. Your Financial Health Score combines spending, savings, debt, and budgeting into a single number you can actually improve.
- Tracks spending, savings, debt & budget
- Updates automatically as you transact
- Tells you exactly what to improve
Real people, real progress
What early users say after putting Planned to work.
“Eye opening! Highly recommend”
I've tried all of these financial advisor apps and they never really worked. Planned really helped me understand how to balance my spending and investments so I can actually get ahead finally.
@atxrocker
“Finally an app that thinks long-term”
For years my financial management was just reacting. An unexpected bill, a bad month, scrambling to cover it. Planned helped me get ahead of it. I'm not just surviving month to month anymore.
@Rebeca Lyn
“Keeps me on track with my goals”
I had no visibility with my spending and savings until I used Planned. Now I have insights and guidance in order to reach my financial goals!
@AndyNoAwkward
“Extremely Helpful”
This app really put my mind at ease when it came to financial planning. It was nice to know exactly where my money was going and how I could save for a large purchase in the future!
@Zoe Stephanie
“Amazing insights!”
Was able to see quickly all the bad spending habits and got a clear plan right away to achieve my financial goals! Cannot recommend this enough.
@Khyato
“Simple enough for someone who hates budgeting”
I'm not a finance person at all. But the spending tracker is so intuitive and it explains everything in plain English. Set up my first savings goals ever and already hit one.
@123therealkb0125
When you want a real person,
talk to a CFP® professional.
For the decisions you keep putting off, the life changes you didn't see coming, and the accountability software can't give you, work 1:1 with Matt, a CERTIFIED FINANCIAL PLANNER® professional. Unlimited messaging plus a monthly video call.
See how coaching works
Work with Matt
CERTIFIED FINANCIAL PLANNER®
Have questions?
Here are the ones we hear most.
Is my financial data secure?
All data is encrypted with 256-bit encryption, and we connect through Plaid with read-only access. Planned never sees your banking credentials. Your data is encrypted at rest and in transit, always.
Does Planned sell my data?
Never. Your financial data exists for one purpose: powering your experience. It's what drives your health score, your personalized insights, and your AI coach. It never leaves Planned.
How is Planned different from Copilot or YNAB?
Most finance apps track spending and stop there. Planned goes further with a financial health score that shows where you actually stand, and an AI coach that gives you real guidance based on your numbers. It's less about categorizing the past and more about improving what comes next.
What does the AI coach actually do?
It gives you on-demand financial guidance based on your real income, spending, and goals. Ask it something like "can I afford a vacation this summer?" and it looks at your actual budget and savings to give you a real answer, not generic advice.
Which banks are supported?
Planned connects to over 12,000 US financial institutions through Plaid, including major banks, credit unions, credit cards, investment accounts, and loans. If your institution supports Plaid, it works with Planned.
Start your financial journey today
See where you stand in under two minutes. No spreadsheets, no guesswork. Just clarity.
Start my free trialFree for 7 days, then $99.99/yr · Cancel anytime
256-bit encryption · Read-only bank access · Never sold