Worth less than a single late fee.
Start free with 5 planning days per month and unlimited same-day reruns. Upgrade for unlimited planning days and AI-powered strategy recommendations.
- — 5 planning days/month; same-day reruns are free
- — Income & expense mapping
- — All 7 payoff strategies
- — Paycheck-level timeline
- — CSV import & export
- — Unlimited planning days
- — Payday push reminders
- — AI strategy recommendations
- — AI consolidation analysis
- — Milestones, streaks & burndown
- — Everything in Free
AI-powered strategy analysis
Our AI doesn't just crunch numbers — it analyzes your entire debt portfolio and gives you a personalized game plan.
Strategy comparison
AI can explain the tradeoffs among Snowball, Avalanche, and Hybrid approaches using the debt details you provide.
Consolidation evaluation
Determines if consolidating certain debts could lower your overall interest, factoring in balance transfer fees and promo rate timelines.
Prioritized action items
Review suggested next steps and the assumptions behind them before deciding what fits your situation.
Personalized insights
Considers your promo rates, balance sizes, and APR spreads for advice tailored to your exact debt portfolio — not generic rules of thumb.
Compare plans
| Feature | Free | Pro |
|---|---|---|
| Income & expense mapping | ✓ | ✓ |
| Debt tracking | ✓ | ✓ |
| Snowball vs Avalanche comparison | ✓ | ✓ |
| Cashflow timeline | ✓ | ✓ |
| Promo rate tracking | ✓ | ✓ |
| Bill funding sources (card or account) | ✓ | ✓ |
| CSV import & export | ✓ | ✓ |
| Planning days per month | 5 (same-day reruns included) | Unlimited |
| AI strategy recommendations | ✓ | |
| AI consolidation analysis | ✓ |
Frequently asked questions
Do I need to connect my bank?
No — RealiPlan never requires a bank login; manual entry and CSV import are always first-class. On Pro you can optionally connect your accounts to auto-sync balances (read-only, via Plaid), but it's never required. Your data stays under your control.
Can I switch plans?
Yes, anytime. Upgrade to Pro when you need unlimited projections or AI recommendations, and downgrade whenever you want. Changes take effect immediately.
Is my data safe?
Your data is encrypted at rest and in transit. We do not sell personal financial data. We use service providers to operate RealiPlan, and optional bank connections and AI features share data only as described in our Privacy Policy and Subprocessors page. You can export or delete your data at any time.
What are planning days?
A planning day is a day when you recalculate your payoff plan. Free users get 5 planning days per month and can recalculate as often as they like on each planning day.
How does the AI recommendation work?
AI reviews the APRs, balances, promo rates, and due dates you provide to explain strategy tradeoffs, consolidation scenarios, and possible next steps. Review the assumptions before acting.
Can I cancel anytime?
Yes. There are no contracts or cancellation fees. If you cancel Pro, you keep access until the end of your billing period, then revert to the Free plan.
Start building your plan today
No credit card required. Set up your plan in minutes and see a projected payoff date based on the numbers you provide.
Build my plan — free