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
You don't have a spending problem. You have a planning problem.
Your complete money plan. Adapts when life doesn't.
Free 14-day trial · No credit card required · No bank login needed
The Planning Wiser MethodTake off with a plan.
Take off with a plan.
Land on your goals.
- Step 1: Pick — Simple or detailed. Choose how you like to plan: a few simple buckets, or every dollar tracked in detail.
- Step 2: Set up — Your money buckets. Add categories for spending and funds for saving. The buckets your money lives in.
- Step 3: Plan — Months ahead. Lay out the year on the Plan page so every month knows its job.
- Step 4: Track — Once a week. Pop in once a week or once a month to record what you spent. A minute, tops.
- Step 5: Adjust — When life happens. The Planning Assistant flags drift and tells you what to do.
- Step 6: Watch — All your goals. Open Overview anytime to see how every goal is doing.
- Bonus: Grow — Your net worth. Zoom out to your full wealth picture. The big payoff.
Your money journey
Seven simple steps. Then your money runs itself.
Step 01
Pick your style
Some people like the big picture. Others want every dollar in its place. Pick what feels right for you.
Simple
Bills
Spending
Other
or
Detailed
Rent
Groceries
Transport
Utilities
Dining
Subs
Shopping
Step 02
Set it up
Set up the buckets your money lives in. Categories for what you spend, funds for what you're saving toward.
Categories
Income
Salary
Freelance
Refunds
Expenses
HousingEssential
Food & DiningReducible
EntertainmentFlexible
Funds
Savings
Emergency Fund
Vacation
Investments
Stock Portfolio
Debt
Mortgage
Step 03
Plan ahead
Walk through the year month by month. Decide ahead of time what each month is supposed to do.
APR
MAY
JUN
Left to assign
+$200
Income
$6,400
$6,400
$6,400
Employment
$5,800
$5,800
$5,800
Other
$600
$600
$600
Expenses
$2,800
$2,800
$2,600
Housing
$1,800
$1,800
$1,800
Groceries
$500
$500
$500
Savings
$1,200
$1,200
$1,200
Emergency
$1,200
$1,200
$1,200
Investments
$1,500
$1,500
$1,500
Stocks
$1,500
$1,500
$1,500
Step 04
Track as you go
Drop in once a week, or once a month, whatever fits. It really only takes a minute.
CategoryAccountAmount
Today
Deposit to Emergency
Chase checking
+$400.00
Housing
Chase
−$800.00
Salary
Chase checking
+$5,200.00
Sun, Mar 29
Uncategorized
Chase checking
−$181.35
Fri, Mar 27
Uncategorized
Chase checking
−$55.20
Step 05
Adjust when life happens
Things never go exactly to plan. The Planning Assistant points out what shifted and helps you put it back together.
Planning Assistant
What do you need help with?
Fix an unbalanced month
1 with money left over
Cover an unexpected expense
Pull from flexible categories
Step 06
Watch your progress
Pop into Overview whenever you feel like checking in. See how each fund is doing at a glance.
Savings
$4.8K
Emergency Fund
Saved$1.8K
Target$10K
This Month+$500.00
18%
Investing
$3.5K
Stock Portfolio
AheadSaved$2.9K
Monthly Goal$500.00$500/mo
This Month+$500.00
100%
Debt Payoff
$251.6K
Mortgage
Paid$251.6K
Total$300K
This Month+$500.00
84%
Bonus
Net Worth
Step way back and look at the whole picture. Everything you own, everything you owe, all in one view.
Net Worth
$655K
Property$715K91%
Other$39.4K5%
Cash & Bank$15.3K2%
Investments$12.4K2%
Mortgage$93K73%
Student Loans$25K20%
Personal Loans$10K8%
vs last month0.0%this year↑ +1.4%
And a few more things
CSV & OFX Import
Bring your bank history in. Drop a file, done.
Smart Categorization
Stuff gets sorted for you. You just glance and approve.
Plan Ahead
See months in advance, not just where you are.
Access Anywhere
Phone, laptop, tablet. Wherever you are.
Export & Reports
It's your data. Take it whenever you want.
Privacy First
We don't sell anything. Not your data, not anyone's.
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
What Makes Us Different
Most budgeting apps track what happened. This one plans what happens next.
Tracking Apps
Planning Wiser
Built-in Planning Assistant for smart reallocation
Plan income, savings, investments and debt as one
Funds with real balances, visualise across multiple accounts
Budget, funds and net worth in a single app
Choose between simple or detailed planning
Auto-categorization that learns from your edits
Simple PricingOne plan.
One plan.
Everything you need.
All features unlocked from day one. No tiers, no add-ons, no upgrades to chase.
- 14 days free, no credit card required
- Cancel anytime in one click
- Your data, always exportable
- Works on web, iOS and Android
Pro Plan14 Days Free
$59/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
- Funds & goals (saving, investing, debt payoff)
- Dashboard insights with suggested actions
- Export your data anytime
No credit card required · 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. 14 days, full access, no credit card. After that, less than $5 a month if you go yearly. Cancel anytime in one click.