Simple, transparent pricing
Start free. Upgrade when you need unlimited projections and AI-powered strategy recommendations.
Free
$0/mo
Free forever
- 5 projections per month
- Income & expense mapping
- Snowball & Avalanche comparison
- Cashflow timeline
- CSV import & export
Pro
$7.99/mo
or $59.99/yr billed annually
- Unlimited projections
- AI strategy recommendations
- AI consolidation analysis
- 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.
Optimal strategy selection
Our AI analyzes all your debts and recommends Snowball, Avalanche, or a Hybrid approach with a confidence score based on your specific situation.
Consolidation evaluation
Determines if consolidating certain debts could lower your overall interest, factoring in balance transfer fees and promo rate timelines.
Prioritized action items
Specific next steps ranked by impact. Instead of guessing what to do first, get clear guidance like “Pay off Chase first — saves $1,200 in interest.”
Personalized insights
Considers your promo rates, balance sizes, and APR spreads for advice that’s 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 | ||
| CSV import & export | ||
| Projections per month | 5 | Unlimited |
| AI strategy recommendations | ||
| AI consolidation analysis |
Frequently asked questions
Do I need to connect my bank?
No. RealiPlan never requires a bank login. You enter your income, bills, and debts manually or via CSV import. 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 never sell your data or share it with third parties. You can export or delete your data at any time.
What are projections?
A projection is each time the engine recalculates your payoff plan. Whenever you update your income, add a debt, or change a payment amount, that counts as a projection. Free users get 5 per month.
How does the AI recommendation work?
Our AI analyzes your full debt portfolio—APRs, balances, promo rates, due dates—and recommends the optimal payoff strategy. It provides a confidence score, evaluates consolidation opportunities, and gives you prioritized action items with estimated savings.
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 exactly when you’ll be debt-free.
Get Started Free