planwithzen

See your income, spending, debts, savings, and net worth in one place. planwithzen helps you understand where you stand and explore what happens when your plans change. BUILD A BUDGET THAT FITS YOUR LIFE Plan this month and next across needs, wants, and savings and debt payoff categories. Compare what you planned with what you spent. Start with 22 built-in categories and add your own. SEE A PATH THROUGH DEBT Enter your balances, interest rates, and minimum payments to estimate when each debt could be paid off. Compare three payoff approaches and see how much interest each could save. (Momentum) EXPLORE YOUR MORTGAGE OPTIONS (Momentum) See an estimated payoff date and remaining interest. Compare your current payment schedule with an extra monthly amount or half a payment every two weeks. SET GOALS THAT MOVE WITH YOU Choose a savings target and monthly contribution. See an estimated funding date that updates when you change your plan. KNOW WHERE YOU STAND See what you own, what you owe, your net worth, and how many months your savings could cover. A financial health score brings six measures together and shows how each contributes. START FREE. BUILD MOMENTUM. Free includes budgeting, a debt payoff plan, two goals, net worth, and a financial health score. Momentum adds optional account connections through Plaid, three debt payoff approaches, mortgage planning, up to ten goals, and six months of history. Momentum is $9.99 per month or $95.99 per year. BANK CONNECTIONS ARE OPTIONAL You can enter everything yourself. Connected accounts are read-only: planwithzen does not receive your bank username or password and cannot move money, make payments, or place trades. planwithzen provides educational, self-directed financial planning tools. It does not provide financial, investment, tax, or legal advice. Calculations, comparisons, and projections are estimates based on the information and assumptions you provide. Terms of Use (EULA): https://planwithzen.com/terms/