I love the idea of shifting your budget instead of just guilt-tripping you. Other apps show you where you're going wrong but don't actually help you fix it.
JM
Jamie M.
From a public review
this month
i broke my budget.
Your complete money plan. Adapts when life doesn't.
Planning is free forever · No credit card required · No bank login needed
With a plan vs without
The difference was never more money.
Without a planWith Planning Wiser
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Gone before it lands
Every dollar has a job
Decided before the month starts.
Left to assign$840
Rent$1,200
Food$400
Savings$600
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No cushion
Savings happen first
Grows on purpose, not on leftovers.
Emergency fund+$300/mo
$0of $10,000
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Debt that just sits
Debt you watch shrink
A payoff with a real end date.
Car loan-$420/mo
Remaining$40,000
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Goals slipping away
Goals that move
Funded month by month.
Net worth+18%
$0Built around your goals
Whatever you're working toward, give it a plan.
your image here
Save for what matters
Name it, save for it, get there.
$6,400of $25,000
+$300 / mogrowing
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Invest
Grow it on purpose, month by month.
$18,250of $30,000
+$500 / moclimbing
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Pay off debt
Watch it shrink, month by month.
$27,700paidof $40,000
-$420 / modebt free
Every move pushes your net worth the right way.
How it works
Set it up once. Then your money runs itself.
setup screen
Step 01
Set it up
Add your accounts, categories, savings, investments and debts. Simple or detailed, your call.
monthly plan
Step 02
Plan ahead
Decide what each month should do, before it happens.
tracking view
Step 03
Track and adjust
Log as you go, and rebalance in a tap when life changes.
From the Community
People who finally got ahead.
The core idea, planning first and tracking second, is solid. A nice middle ground between YNAB and bare spreadsheets.AS
Alex S.
From a public review
I've tried several apps over the last few years, but none of them ended up serving the purpose. This one finally clicks.
DR
Dana R.
From a public review
No lock-in
The stuff that makes you stay.
CSV & OFX Import
Bring your bank history in. Drop a file, done.
Export & Reports
It's your data. Take it whenever you want.
Privacy First
We don't sell anything. Not your data, not anyone's.
Simple PricingPlan for free.
Plan for free.
Track when you're ready.
Your plan is free forever. Pro adds spending tracking, bank file imports and the Planning Assistant.
- Planning is free forever, no credit card required
- Cancel anytime in one click
- Your data, always exportable
- Works on web, iOS and Android
Pro PlanPlan free forever
–/year
Billed annually
Plan
- Budget Planner with zero-sum allocation
- Planning Assistant with smart reallocation
- Quarterly and monthly budget views
Track
- CSV & OFX transaction import
- Smart auto-categorization
- Multiple currencies available
Grow
- Wealth & net worth tracking
- Savings goals, investments & debt payoff
- Dashboard insights with suggested actions
- Export your data anytime
No credit card to start · Cancel anytime
FAQCommon questions.
Common questions.
Clear answers.
Everything we hear most often, answered without the runaround.
Still have a question?
A real person reads every message. We usually reply within a day.
Send us a noteYes. Planning your budget is free forever, no credit card needed. Tracking spending, bank imports and the Planning Assistant are part of Pro. Cancel anytime in one click.