Now available on the App Store

Plan this paycheck
with your partner —
built for two.

Free runs your payday. Log spending, fund your buckets, protect your debt minimums, and confirm the plan together each week. Pro proves and protects what you're building — no bank linking, ever.

Download on theApp Store
See the app
OurPlan Plan tab showing shared budget buckets
Payday PromiseAssigned → Confirmed
OurPlan payday checklist screen

Built for couples who want one shared plan they both trust — no bank linking, no spreadsheets, no guessing

The App

The whole payday loop.
Built for two.

From your first plan to the weekly Money Meeting — every screen is designed for two people sharing one plan, with no bank linking.

Start in minutes
Setup

Start in minutes

Set up your plan by hand — income, buckets, and debts. No bank linking, no logins.

Set your split
Plan

Set your split

Divide income across Essentials, Growth, Reserves, and Flex, from proven target ranges.

Your shared plan
Plan

Your shared plan

Income and every bucket in one view, with each partner's contribution and your week at a glance.

Fund your buckets
Payday

Fund your buckets

Assign each paycheck and protect your debt minimums first — that's your Payday Promise.

Who covers what
Split

Who covers what

A clear picture of where income goes, by bucket and by partner, so you agree before payday.

Weekly Money Meeting
Meeting

Weekly Money Meeting

Pick a day and time; OurPlan reminds you both for a guided 10-minute check-in.

Invite your partner
Partner

Invite your partner

Share the plan through encrypted CloudKit sync — a link or a join code, whatever's easiest.

Map your accounts
Accounts

Map your accounts

See a recommended account setup and a checklist you can automate at your bank.

Debt-Aware

Your plan protects
your debt, first.

OurPlan is built around the debt you're actually carrying — and the core of it is free.

Included free

Add your cards and loans. We protect the minimums.

Enter each debt's balance, APR, minimum, and due day. OurPlan funds those minimums before anything else, shows a free estimated debt-free date, and switches to Debt Rescue Mode when a paycheck falls short.

Minimums first

Every payday funds your required minimums before buckets — so a due date never sneaks up on you.

Free debt-free date

See your estimated payoff date from day one and watch it move as you go — no subscription needed.

Debt Rescue Mode

Short on a paycheck? OurPlan re-sequences the plan to keep your debt protected.

Estimated debt-free date
Aug 2028
5 months sooner
Visa •••• 4021$3,180 · 22.9% APR
Min $95
Car loan$11,400 · 6.4% APR
Min $260
Debt Rescue Mode Paycheck short — minimums stay protected first.
How It Works

One paycheck.
A plan you both trust.

OurPlan helps you decide what each paycheck needs to do, then gives both partners the same plan, buckets, debt protection, and weekly meeting.

01

Set your plan

Enter income, split it into buckets, and add the cards and loans you're carrying — all by hand, no bank linking.

02

Fund each payday

Assign each paycheck to the plan. OurPlan protects your debt minimums first, then fills your buckets by priority.

03

Confirm together

Confirm what actually happened with Payday Promise, and invite your partner through encrypted CloudKit sync.

04

Weekly Money Meeting

A guided 10-minute check-in to review what changed, make small adjustments, and start the next week calmer.

Manual entry, shared visibility, and reminders you control — no bank linking
Free — runs your payday

The whole loop is free.
No bank linking, ever.

OurPlan Free runs your money end to end — logging, buckets, debt protection, partner sync, recurring bills, and CSV export. You only reach for Pro when you want the couple coordination layer.

Essentials, Growth, Reserves, Flex

Four proven budget categories that cover everything. Allocate your income together — OurPlan handles the math and keeps both of you on the same page.

Essentials
$3,500
Growth
$700
Reserves
$700
Flex
$2,100

Debt-Aware Plan

Add cards and loans with balance, APR, minimum, and due day. OurPlan protects the minimums first and shows a free debt-free date.

Payday Promise

Assign each paycheck to your buckets, then confirm what actually happened — the honest difference between planned and done.

Unlimited logging

Log every transaction by hand — no bank linking and no limits. You decide what counts toward the plan.

Weekly Money Meeting

A guided 10-minute check-in. Review the plan, celebrate wins, and agree on what needs attention next — together.

Recurring bills & repeats

Templates for the bills and purchases you repeat, so every payday is fast. Free, not a paid add-on.

Invite your partner

Share one plan through encrypted CloudKit sync. Both of you see the same buckets, goals, and decisions.

CSV export — free forever

Take your transactions and budget with you anytime — even if a subscription ever lapses.

OurPlan Pro

Pro proves and protects
what you build together.

Free runs your payday. Pro is the couple coordination layer — proof of what you did, protection if plans change, and peace when you decide together. $9.99/mo or $49.99/yr, with a 14-day trial.

Proof

See what you actually did, together.

What We Carried

Planned vs verified contribution per partner, using your agreed split. A record, never a scoreboard.

Since We Started

Lifetime verified milestones — and how far your payoff date has moved.

Shared Debt Progress

Lender-confirmed reductions and the streaks you build together.

Full Money History

The complete meeting and decision archive, beyond the free last four.

Protection

Know you'd be okay if plans change.

Resilience Check

If one income paused, what stays protected — and for how long?

Debt Payoff Forecasts

Avalanche vs snowball, payoff dates, and the interest impact of each.

What-If Planner

Pressure-test income changes, extra saving, or big purchases before you commit.

Fair Split & Settle-Up

See who paid more and what a fair settle-up actually looks like.

Peace

Decide together, without friction.

Couple Debt Agreements

Formal ownership and fairness, with each partner's acknowledgment.

Private-Then-Reveal Planning

Choose your priorities separately, then reveal them together.

Also included Unlimited buckets & goals 1-tap smart logging Insights & Trends Voice capture

Stop guessing.
Start planning together.

In a few minutes, you and your partner can see what this paycheck is for: bills, groceries, debt, savings, date nights, and the goals you both care about.

Download on theApp Store — Free
Pricing

Free forever.
Pro when you’re ready.

The entire payday loop is free — logging, buckets, debt protection, partner sync, recurring bills, and CSV export. Pro adds the couple coordination layer.

Free
$0/ forever
No credit card. No bank linking. Just start.
✓Unlimited manual logging (no bank linking)
✓Essentials, Growth, Reserves & Flex buckets
✓Debt-Aware Plan + free debt-free date
✓Debt Rescue Mode when a paycheck is short
✓Payday funding + Payday Promise
✓Guided weekly Money Meeting
✓Invite your partner (encrypted CloudKit sync)
✓“Who Plans to Cover This?” split
✓Recurring bills & repeats
✓CSV export — free forever
✓Home & Lock Screen widgets
✓Up to 10 buckets, 2 goals, last 4 meetings
Download Free
14-Day Free Trial
OurPlan Pro
$4.17/ mo
Billed $49.99/yr — save 58% vs $9.99 monthly
14-day free trial · cancel anytime
Everything in Free, plus the couple coordination layer:
Proof
✓What We Carried — planned vs verified per partner
✓Since We Started — lifetime milestones & payoff movement
✓Shared Debt Progress — lender-confirmed reductions
✓Full Money History — every meeting & decision
Protection
✓Resilience Check — if one income paused
✓Debt Payoff Forecasts — avalanche vs snowball
✓What-If Planner — pressure-test big changes
✓Fair Split & Settle-Up — who paid more
Peace
✓Couple Debt Agreements — with acknowledgment
✓Private-Then-Reveal Planning — decide together
✓Unlimited buckets & goals, 1-tap smart logging, Insights & Trends, voice capture
Start 14-Day Free Trial

Cancel anytime. No questions asked.