Planned - AI Financial Coach

Planned

In-app purchases

About this app

If you earn good money but still feel stressed about finances, Planned was built for you.

Most budget apps just show you charts and leave you to figure the rest out. Planned is different. Your built-in AI money coach learns your complete financial picture and gives you personalized guidance on what to focus on, what to ignore, and what to do next. It is closer to having a financially savvy friend than using a budget planner. No generic tips, no jargon, just clear advice grounded in your actual numbers.

If you have used Mint, YNAB, Copilot, or Monarch and found them useful but missing something, that something is probably coaching. Planned fills that gap.


YOUR AI MONEY COACH

Chat with your coach anytime about spending, saving, debt, or long-term planning. Unlike other finance apps that give you generic advice, your Planned coach pulls directly from your connected accounts, so every answer is based on what is actually happening with your money right now.

Whether you are paying off debt, building an emergency fund, or just trying to stop wondering where your paycheck went, your coach is always available and always up to date.


YOUR FINANCIAL HEALTH SCORE

Planned is the only personal finance app that scores your financial health across 10 categories: emergency fund coverage, debt-to-income ratio, savings rate, income growth, credit health, cash flow balance, tax efficiency, investment diversification, retirement readiness, and risk management.

Each category gets an individual score so you know exactly where you stand and what to work on first, instead of staring at a net worth number and guessing.


BUDGET PLANNER WITH AUTOMATIC BANK SYNC

Connect all your accounts securely through Plaid. Bank accounts, credit cards, loans, and investments sync automatically. Transactions are categorized without any manual entry so you always know where your money is going without spending Sunday afternoon updating a spreadsheet.

Build a budget that holds up in real life, not just on paper. Get proactive nudges when you start drifting off track and clear weekly priorities so you always know your next move.


NET WORTH AND EXPENSE TRACKING

Watch your net worth grow over time with visual dashboards that track progress across savings goals, debt paydown, and overall wealth. The expense tracker automatically categorizes every transaction so spending patterns are easy to spot and act on.


WHO PLANNED IS FOR

Planned works best for people who earn a reasonable income but feel like they are not making the most of it. People who want to make smarter money decisions but do not have time to become a personal finance expert. People who have tried other budget apps and found them too manual, too complex, or too shallow.

If you have ever thought "I really need to get my finances together" and then done nothing because you did not know where to start, that is exactly who we built this for.


KEY FEATURES

- AI money coach powered by real account data
- Budget planner with automatic bank sync via Plaid
- Financial health score across 10 categories
- Automatic expense tracker and transaction categorization
- Net worth tracker with visual dashboards
- Savings goals and debt payoff tracking
- Proactive weekly financial priorities
- Secure encrypted data storage
- Free to download


Planned is for people who are done feeling behind with their money. Download free and connect your accounts in minutes.

Terms of Use: http://getitplanned.com/terms
Privacy Policy: http://getitplanned.com/privacy

What’s new

What's new in 1.0.4:
- Social sign-in: You can now sign in with Google. Getting into Planned takes one tap.
- Subscription reliability: Fixed an issue that could cause duplicate subscription syncs, plus better handling of trial and paywall states.
- Coach & notifications: Faster coach suggestions and new alerts for subscription status changes.
- General fixes: Smoother unsubscribe flow and various stability improvements.