Your business is profitable. Now pay yourself like it.
Planned appAI coachAn owner pay you can keep up with
$5,000 to $6,000/mo
Leaves room for revenue that comes in unevenly.
Sample data. Planned can make mistakes.
Matt Schuberg, CFP®
Founder, Planned
Business owner, like you
Read-only
Planned can't move your money
Connected through Plaid
We never see your bank login
256-bit encryption
In transit and at rest
Never sold
Your data isn't a product
On iPhone, Android and the web
“How much can I actually pay myself?”
Find an owner pay the business can keep up with
Revenue arrives in lumps. Planned turns it into a steady number you can keep paying, even in slow months.
- Owner pay planned month by month
- Taxes and savings set aside first
- Set your number with the AI coach in the app, or with Matt
Planned AI coach
How much can I pay myself from the business each month and still keep up with taxes?
…reserving about 30 percent leaves roughly $10,700/mo you could pay yourself while staying current on taxes. A more conservative figure is about $5,000 to $6,000/mo, which matches what you've been taking and leaves room for revenue that comes in unevenly.
Planned can make mistakes. Please double-check responses.
“Where does the business end and my money begin?”
Business and personal, one switch apart
Your bookkeeping app sees the business. Your budgeting app sees the household. Planned shows you both, so you can tell if a first hire still leaves room to save.
- Business, tax and personal accounts together
- Your own categories, like Owner Pay and Tax Reserve
- One side at a time, or both when a decision touches both
“Am I setting aside enough for taxes?”
Know your tax reserve is keeping up
Most owners move “something” into savings and find out in April if it was enough. Ask the AI coach in the app to check your reserve against what clients actually paid.
- Reserve compared with real client income
- A set-aside that grows with every payment
- Your CPA gets clean categories; you get the tax money ready
Planned AI coach
Is my tax reserve keeping up with the client income in my business checking?
…the target on $65,300 would be about $16,300 to $19,600. The reserve is currently about $2,000 to $5,400 short of that range.
Planned can make mistakes. Please double-check responses.
“Is the business my only retirement plan?”
Build your own future, not just the company's
Every spare dollar goes back into the business. Planned keeps your own savings on the list.
- A Financial Health Score across ten areas
- Goals measured from your real accounts
- A plan for what to do next
28%
of small business owners pay themselves nothing
58%
of the smallest firms with money trouble covered it with the owner's personal funds
75%
of owners with under 10 employees aren't sure they're saving enough to retire
Sources: Pilot 2026 Small Business Salary Report, as reported by SCORE; Federal Reserve Small Business Credit Survey 2025 (firms with 1 to 4 employees); Fidelity small business owner retirement study, 2023.
Bring the question that's on your mind
Owners also bring these to the call. Matt helps you think them through and know what to ask your CPA or attorney.
- LLC or S-corp, and what it means for your pay
- Whether you can afford a first hire
- Business credit, loans and personal guarantees
Talk with Matt directly · No prep or bank login needed
Keep your CPA. Add a plan for you.
Your accountant looks back at the business. Planned looks forward at you.
| Who handles it | Your CPA looks back | Planned looks forward |
|---|---|---|
| Your books | Your CPAYour CPA or bookkeeper keeps them, and untangles personal spending at tax time | PlannedKeeps business and personal separate all year |
| Taxes | Your CPAFiles your returns and sets your quarterly estimated taxes | PlannedMakes sure the money is there when each one is due, self-employment tax included |
| Your pay | Your CPASets your reasonable salary if you’re an S-corp | PlannedPlans your owner’s draw or salary each month, with the rest still covered |
| Business structure | Your CPAAdvises on LLC vs. S-corp | PlannedHelps you know what to ask |
| A first hire | Your CPASets up payroll | PlannedShows whether you can afford it and still pay yourself |
| A big purchase | Your CPATells you what’s deductible | PlannedShows whether you can buy it without draining your cushion |
| Retirement | Your CPAWorks out the deduction at tax time | PlannedPlans what you can afford to put into your Solo 401(k) or SEP IRA each month. You make the deposits; we keep you on track |
| Slow months | Your CPA– | PlannedBuilds a cushion so your pay holds |
| Your household | Your CPA– | PlannedBudget, debt and goals in the same view as the business |
Who you'll talk to
I'm Matt. My career was built advising wealthy private clients, in an industry that turns away anyone below a $250,000 minimum. Plenty of owners never clear that bar, because their money is in the business.
Now I run a business of my own, so I deal with the same questions you do: what to pay yourself, what to hold back, and when your own savings get a turn.
What happens on the call
Step 1
Pick a time
Choose any open slot. No forms to fill and no accounts to connect beforehand.
Step 2
Talk for 15 minutes
Tell me where the business and your own money stand, and what's keeping you up at night.
Step 3
Leave with a next step
You'll know if coaching is worth it for you and the business. If it isn't, I'll tell you.
One plan for the business and you
If the call shows coaching is a fit, this is what working together looks like.
| Traditional financial planner | Planned coaching | |
|---|---|---|
| Sees | Your household | Business and personal |
| Your pay | Handled by your CPA | Planned with you every month |
| Meetings | One or two a year | Monthly call and messaging |
| Price | about $570 a month | $399 a month |
Planner price: average annual financial planning retainer of $6,815, shown per month (Envestnet, 2026 State of Financial Planning Fees). Meetings: 69% of advisors call semiannual or annual meetings ideal (Orion Advisor Wealthtech Survey, 2025).
Coaching
$399/month
- 1:1 with Matt Schuberg, CFP®
- A monthly video call for the bigger decisions
- Messaging with Matt, replies within 24 hours Mon–Fri
- A plan that covers the business and the household: your pay, tax reserve, cushion and retirement
- Full access to the Planned app on web, iPhone and Android, with business and personal side by side
30-day money-back guarantee
Questions owners ask
You built the business. Now build your plan.
Fifteen minutes with a CFP® professional who runs a business too. Bring your questions; leave with a next step.
Book a free 15-min callTalk with Matt directly · No prep or bank login needed
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