planwithzen
Know where your money goes
See what you earn, what you spend, and what remains after the bills are paid.
Financial planning for iPhone
The world can be chaotic.
The world can be chaotic.
Your finances don’t have to be.
See where your money goes, plan where it should go next, and watch the gap close. Budget, debt payoff, financial goals, and net worth—organized on your iPhone.
Coming soon on theApp Store
Explore Features
Self-directed financial planning tools for educational purposes only. Not financial, investment, tax, or legal advice.
Clear directionSee where you stand and what may need attention.
Calm guidanceWork through your finances one manageable step at a time.
Progress you can seeWatch your budget, debt, goals, and net worth change.
For real financial lives
Made for people who want clarity—not complexity.
If you know you should pay closer attention to your finances but aren’t sure where to begin, planwithzen gives you one organized place to start.
Build plans you can use
Create a monthly budget, choose a consumer debt payoff approach, and set goals for what matters.
See the complete picture
Bring spending, savings, debt, assets, goals, and net worth together.
How it works
A guided process that feels doable
planwithzen turns financial planning into clear, manageable steps—without requiring you to become a financial expert first.
Add your information
Enter income, expenses, assets, debts, and goals yourself. If you choose to upgrade, you can also connect eligible accounts through Plaid.
See the full picture
Review spending, budget, debt, savings, goals, net worth, and financial health in one place.
Build your plans
Create a budget, choose a consumer debt payoff approach, explore your mortgage, and establish goals.
Keep it current
Update manual balances monthly or use connected accounts to reduce ongoing updates.
What “guided” means: planwithzen gives you a clear sequence, explains what information is needed, and organizes your numbers into useful views. You remain in control. Every screen ends with short notes on how to use it.
What you can do
Your financial life, clearly organized.
Understand your money, build practical plans, and see how your financial picture changes over time.
Two ways to use planwithzen: Free gives you the core tools to understand your finances and build your first plans. Momentum is the optional $9.99 monthly plan that adds connected accounts, deeper comparisons, mortgage-payoff planning, and financial history.
Budget
Plan the month, then see how it actually went.
- Plan income, bills, and everyday spending across needs, wants, and savings and debt payoff.
- Compare what you planned with what you spent. Momentum
- Start with 22 built-in categories and add your own.
- See what came in, what went out, and what remains.
Payoff
Credit cards, loans, and your mortgage — each with a plan.
- Enter balances, rates, and minimum payments.
- See estimated payoff dates and interest.
- Compare three payoff approaches. Momentum
- Test extra principal against your mortgage. Momentum
Goals
A target, a monthly amount, and the date it funds.
- Set a target amount, a date, and what you will put aside each month.
- See an estimated funding date that moves when your plan does.
- Two goals on Free, up to ten on Momentum.
- Contributions appear in your budget automatically.
Net worth
What you own, what you owe, and where that leaves you.
- Record assets and debts, and see net worth as the difference.
- A financial health score from six measures, each shown separately.
- How many months accessible savings could cover essentials.
- Six months of history. Momentum
Simple pricing
Start free. Build Momentum when you’re ready.
Free gives you a complete financial picture and practical plans. Momentum helps you keep those plans current and see how they change over time.
Free
$0
Understand where you stand and build your first plans.
- Track income, expenses, assets, and debts manually.
- Build a budget for this month and next month.
- Compare what you planned with what you actually spent.
- Create a highest-interest-rate-first consumer debt plan.
- Manage two financial goals.
- View net worth, financial health, and accessible-savings coverage.
- Add four custom categories.
Coming soon on theApp Store
No subscription or bank connection required.
Momentum
$9.99 / month
Work your plans month after month and watch your progress.
- Everything in Free
- Connect eligible financial accounts through Plaid.
- Compare three consumer-debt payoff approaches.
- Build a mortgage-payoff plan.
- Manage up to ten goals and custom categories.
- View six months of financial history and deeper analysis.
Coming soon on theApp Store
Renews monthly until canceled. Manage or cancel through Apple ID settings.
Compare Free and Momentum features
| Capability | Free | Momentum |
|---|---|---|
| Manual financial tracking | ✓ | ✓ |
| Plaid account connections | — | ✓ |
| Monthly budget | This month and next | This month and next |
| Actual-versus-budget comparison | ✓ | ✓ |
| Consumer debt payoff approaches | Highest interest first | 3 approaches |
| Mortgage-payoff plan | — | ✓ |
| Active financial goals | 2 | 10 |
| Custom categories | 4 | 10 |
| Current net worth and health score | ✓ | ✓ |
| Financial history | — | 6 months |
Questions, clearly answered
What to know before you begin
What is planwithzen?
planwithzen is an iOS financial planning app that helps you organize your income, expenses, assets, debts, budget, financial goals, and net worth in one guided experience.
Is there a free version?
Yes. Free lets you enter your financial information, build a working monthly budget, create a consumer-debt payoff plan, manage two financial goals, and review your net worth and financial health.
Momentum adds connected accounts, subscription detection, additional payoff approaches, mortgage-payoff planning, more goals, and six months of history for $9.99 per month.
Do I have to connect my financial accounts?
No. You can use planwithzen entirely through manual entry. Connecting eligible accounts through Plaid is an optional Momentum feature that reduces manual balance and transaction updates.
Can planwithzen move my money?
No. Connections are read-only. planwithzen cannot initiate transfers, make payments, place trades, or move money between accounts.
How often should I update my information?
Update manually maintained information at least once a month. Monthly updates keep your budget comparisons, trends, net worth, and financial health accurate.
If you do not update a figure, planwithzen keeps the last one you entered. Monthly reminders can be turned off.
How does consumer debt payoff planning work?
You choose what you plan to pay each month. When one debt is paid off, its planned payment moves to the next debt based on your selected payoff approach.
Free includes the highest-interest-rate-first approach, which typically minimizes interest when payment amounts and other assumptions remain consistent. Momentum adds smallest-balance-first, largest-balance-first, and side-by-side comparisons.
Can I use my own spending categories?
Yes. planwithzen includes 22 built-in categories and lets you add your own. Free supports four custom categories, and Momentum supports ten.
You decide whether each category belongs under needs, wants, or savings and debt payoff.
Can I create financial goals?
Yes. Set a target amount, target date, and planned monthly contribution. Free supports two active goals. Momentum supports up to ten.
How does mortgage-payoff planning work?
Mortgage planning is included with Momentum. Enter your current balance, interest rate, and principal-and-interest payment.
planwithzen estimates your payoff date and how additional principal payments could affect both. It does not change your loan or make payments.
Is my financial information secure?
Financial information may be stored on your device and synchronized with planwithzen’s hosted systems so that it is available through supported mobile and web applications. Information is protected using encryption, account authentication, database access controls, and restricted administrative access.
Plaid handles authentication with your financial institution, so planwithzen never receives or stores your bank username or password. Connected-account access is read-only: planwithzen cannot transfer money, make payments, move funds, or place trades. You may disconnect a financial institution or use the available account controls to manage or delete synchronized information.
Coming to iPhone
A calmer way to plan your finances.
See where your money goes, create a working budget, build debt-payoff plans, track financial goals, and understand your net worth—all from your iPhone.
Coming soon on theApp Store