planwithzen
Emergency fund
Set a savings target designed to help cover unexpected expenses or a temporary loss of income.
Financial goal tracking for iPhone
Turn financial goals
Turn financial goals
into practical monthly plans.
Choose what you want to accomplish, set a target amount and date, and see the monthly contribution needed to move forward.
Coming soon on theApp Store
Explore Goal Features
Self-directed financial planning tools for educational purposes only. Not financial, investment, tax, or legal advice.
Clear target amountsDefine exactly how much you want to save or prepare.
Meaningful target datesGive each goal a timeline that reflects your priorities.
Monthly contributionsSee the planned amount needed each month.
Financial goals for real life
Give the things you want to accomplish a place in your plan.
A financial goal becomes more useful when it has a specific purpose, target amount, target date, and monthly contribution. planwithzen keeps those details organized alongside your budget and complete financial picture.
Planned purchase or experience
Prepare for a vacation, vehicle, home down payment, or another expense without losing sight of other priorities.
Your own priority
Create a custom goal for the milestone that matters to you and decide how it fits into your monthly plan.
How goal planning works
From a broad intention to a measurable financial goal
planwithzen organizes the basic information needed to turn an idea into a plan you can review and update.
Name the goal
Identify the emergency fund, purchase, experience, or milestone you want to plan for.
Set the target
Enter the total amount you want to reach and any amount you have already saved.
Choose the date
Select a target date so the app can connect the goal with a practical timeline.
Plan the contribution
Review the monthly amount and adjust the target, date, or contribution as your circumstances change.
Examples are educational illustrations: Your appropriate target and timeline depend on your circumstances. planwithzen helps organize the amounts and dates you choose; it does not recommend a particular financial goal or guarantee an outcome.
Goal features
A target, a monthly amount, and a date.
Set the target
- An amount, a date, and what you can put aside each month.
- Record what is already saved toward it.
- Two goals on Free, up to ten on Momentum.
A funded date that moves
- The date follows the monthly amount you set.
- Raise it and the date comes in; lower it and it moves out.
- Recalculated as you change the plan.
Part of the month
- Each contribution appears in your budget under Financial goals.
- It sits in savings and debt payoff with everything else.
- A finished goal stops appearing.
Progress over time
- See how far along each goal is.
- Six months of history behind the figures. Momentum
- A finished goal frees its place for a new one.
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.
- 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 | 2 months | 6 months |
| 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 |
Financial goal questions, clearly answered
What to know before creating a goal
What is a financial goal?
A financial goal is a specific money-related outcome you want to work toward. It is usually clearer when you define its purpose, target amount, target date, current amount saved, and planned monthly contribution.
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, longer-term budgeting, spending comparisons, additional payoff approaches, mortgage-payoff planning, more goals, and financial history for $9.99 per month.
What are examples of financial goals?
Examples include building an emergency fund, saving for a vacation, preparing for a vehicle purchase, or accumulating a home down payment. You can also create a custom goal for another priority that matters to you.
What information do I need to create a goal?
Choose a name, target amount, target date, current amount saved, and planned monthly contribution. These inputs help turn the goal into a measurable plan.
How often should I update a financial goal?
Review the goal when you make a contribution or when your target, timing, or financial circumstances change. Regular updates keep the displayed progress and monthly plan useful.
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.
The plan and the budget use the same figures. Each debt’s minimum payment appears in your budget under its own category, and whatever your plan adds above the minimum appears under Debt payoff, in savings and debt payoff. You enter each amount once.
How does mortgage-payoff planning work?
Mortgage planning is included with Momentum. Enter your current balance, interest rate, principal-and-interest payment, and other requested loan details.
planwithzen estimates your payoff date, remaining interest, and how additional principal payments could affect both. It does not change your loan or make payments.
Your regular mortgage payment appears in your budget under Housing, in needs. Additional principal you test on the mortgage page stays there as an estimate and is not added to your budget.
How many financial goals can I create?
Free supports two active goals. Momentum supports up to ten. A goal you have finished no longer counts as active, so its place is free for a new one.
Each goal’s planned monthly contribution appears in your budget under Financial goals, in savings and debt payoff, so what you set aside sits in the same monthly plan as everything else. A goal you have finished no longer appears there.
Is my financial information secure?
planwithzen uses safeguards designed to protect the financial information it handles, including encryption for stored information and encrypted transmission between the app and supporting services.
Plaid handles connections to eligible financial institutions. planwithzen does not receive or store the login credentials you use with those institutions.
Related planning tools
Goals sit alongside everything else.
Coming to iPhone
Give your financial goals a clear path forward.
Set target amounts and dates, plan monthly contributions, and keep each goal connected to your budget and complete financial picture.
Coming soon on theApp Store