Pricing
Pick the plan that pays you back
Start free. Upgrade when you want charts, payoff strategies, and AI in your corner. Cancel anytime.
You're saving two months on every paid plan.
Free
See where every dollar of your paycheck goes.
Free forever
Momentum
Start the momentum -- charts that show your debt shrinking.
$39.99 billed yearly · 2 months free
Accelerate
AI in your corner and the full toolkit, so you pay off faster.
$69.99 billed yearly · 2 months free
Autopilot
Connect your accounts and your whole plan runs itself.
$119.99 billed yearly · 2 months free
Compare every feature
Everything in each plan, side by side.
Common questions
Can I switch plans later?
Yes — upgrade or downgrade anytime. Changes take effect immediately and we prorate the difference.
What does the annual plan save me?
Annual billing is ten months for the price of twelve — two months free on Momentum and Accelerate.
Do I need a card for the Free plan?
No. The Free plan stays free, no card required.
How do I get help?
Email us anytime at support@paycheckplanner.ai. Accelerate members get priority replies.