A plan you'll actually follow.

Pick Messaging if you want a human to sanity-check your decisions on your schedule — questions as they come up, replies within 2 business days, no calls. Pick Coach if you want a standing 1:1 relationship: a monthly 30-minute video call plus faster replies, delivered by a CFP® professional. You can switch between them anytime from Settings.

For now, every coaching member — on both the Messaging and Coach plans — works directly with Matt Schuberg, Planned's founder and a CERTIFIED FINANCIAL PLANNER® professional. As demand grows we'll bring on additional vetted coaches.

No. Coaching is educational: budgeting, debt, savings, goals, behavior, and accountability. Your coach will not recommend specific stocks, funds, ETFs, or perform portfolio management. For investment advice, we can point you to a registered investment adviser.

Both coaching plans — Messaging and Coach — come with a 30-day money-back guarantee. If it's not working in your first 30 days, email us and we'll refund you in full. After that, you can cancel anytime from Settings.

No — the Messaging and Coach plans both include the full AI plan. One subscription, one price.

The 7-day free trial is included with the annual AI plan. You'll add a payment method when you start the trial, get full access for 7 days, and can cancel any time before the trial ends to avoid being charged. The monthly AI plan does not include a free trial and bills immediately. The Messaging and Coach plans do not include a free trial — both are backed by a 30-day money-back guarantee instead.

Yes, anytime. Head to Settings and select Subscription. Changes take effect at the start of your next billing cycle.

Payments on web are processed securely via Stripe and support all major credit and debit cards. If you subscribe through the iOS or Android app, payments go through the App Store or Google Play.

Yes. All data is encrypted in transit and at rest using bank-level security standards. We connect to your bank through Plaid using read-only access, so Planned never sees or stores your banking credentials.

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.