You review and recommend. PlanTogether does the rest, for a fraction of what you'd pay a person.
Don't take our word for it. Let it do these jobs for the next 5 clients you meet, new or at their review. Your first 5 clients are on us, then you decide whether to hire it. No credit card. Clients don't pay for the app. Every screen below is the real app.
Your client does the typing on their phone. Tap through what lands on your side: the app's own screens, with a demo client.
An interactive tour of real app screens. Use the buttons on the phone, or the Next button beside it, to move through it.
See it from your side
Alex entered their contact information and household on their phone. You didn't type any of it.
Alex and their child Theo, each with a date of birth, ready for the analysis.
Advisor disclosure and privacy consent signed, and the fact find, built from what Alex entered, confirmed by Alex.
Final expenses, income replacement and debts, from the numbers Alex entered. You add education, time off to grieve and estate costs when you review it together.
A confirmed budget, the monthly surplus and whether they're on track, from the Overview your client sees, once you turn budget access on.
You see how they pay their way through the month.
Their month ahead, day by day, current because they keep it current.
When a client's goals change or they confirm an updated fact find, you're told, so you know when to review their coverage. The milestones, not every edit.
That's the job description. You review and recommend.
Real app screens. Demo household.
An advisor sent a new client the invite and turned on their budget. The client set up their household, their goals and their budget on their own phone, without the advisor in the room. By the second meeting the advisor had all of it, every name spelled the way the client spells it, and nothing to retype.
PlanTogether replaces the spreadsheet, the thread of texts and emails and, in Canada, the paper forms. It works alongside the software you already use. Nothing gets typed twice. Nothing gets lost between meetings.
Switch it on for every client, or one at a time. They build it on their own phone, and the numbers they keep current are the numbers you plan from. The Payday Planner and the Cashflow Calendar stay off until your client wants them, so nobody gets more than they asked for. Clients can ask you to turn on their budget. If a client picks budgeting and it's still off, the app asks you to turn it on. They build it in about 10 minutes, with common bills one tap away, and finish on Your Result.
An interactive tour of real app screens. Use the buttons on the phone, or the Next button beside it, to move through it.
Take the client app for a spin
In the app's own words: "Keep them current and your next meeting starts from where you are."
With the Cashflow Calendar on, it plays their scheduled bills and paydays forward 12 months, stays above a cushion they choose, and names the tightest point before it arrives. For Alex: "You're on track."
As they pay now, against Snowball and Avalanche: the debt-free date, interest and first debt gone, side by side. For Alex, Avalanche means debt-free in Jan 2042 instead of Oct 2050.
In Alex's plan, $400 a month more moves debt-free from Feb 2042 to Apr 2039. They see what extra buys before a dollar moves.
Averaged across the year, so a yearly bill or a three-paycheque month is spread evenly. For what they can count on every month, the Payday Planner is one tap over.
They decide which paycheque pays which bill, and split a bill across paydays in one tap. It stays off until they want it.
They start from today's balance, put each bill and deposit on its date, and confirm each one as it happens, so the calendar matches real life. It stays off until they want it.
Now see what Alex's numbers look like from your side.
Real app screens. Demo household.
Their home screen tells them why, in the app's own words: "Keep them current and your next meeting starts from where you are." Their budget runs on the same numbers as your needs analysis and their net worth, so when they keep one current, the other is current too. Nothing to chase. Nothing to retype.
As your client fills in their information, it starts their client file. The Fact Find is built from what they entered, and they confirm it on their own phone, or you record it for them. Your advisor disclosure comes from the profile you set up once. Privacy consent comes in the right version for where they live, including Quebec's own wording, and CASL consent is captured when they accept your invite. It takes most of the work out of compliance.
Your dashboard opens on a To-Do, "N client files need a bit of work", with the exact forms each file is missing, so you don't open a file to find out whether it's a problem.
Client-Level Compliance names what's missing on every client file. When a client moves on to a life sale, Sale-Level Compliance picks it up.
For Canadian life-licensed advisors, the life sale runs step by step: the needs analysis, which starts from the numbers your client already entered, then a reason-why letter or replacement paperwork (including Quebec's AMF notice), then the policy delivery receipt. Each step is dated, with signed copies on record, in every province and territory. Applications are tracked from submitted, through the insurer's decision, to delivery. A life sale can't start until the client file is complete.
Same four fields to invite. After the yes, your clients fill in their own household and goals, with you or at home, and get their own budget when you turn it on. Reminders go out in your name, and the figures you see are ones your client has looked at. The compliance forms (Canada only) and the life-insurance analysis are for life-licensed advisors.
PlanTogether bills you, not them. If you decide to charge a client for budget access, you set that up with them yourself, outside the app. Name one price, or a different number for every client at your table.
It sits in the same file you plan from, so every number your client keeps current is a number you already have. Nothing to chase, nothing to retype. Their own budget, from you, when you turn it on.
Your first 5 clients are on us, and clients don't pay for the app. Starter is client onboarding, with the advisor disclosure, privacy consent and fact find built in for Canadian advisors. Planner adds the life-insurance analysis and client meetings. Compliance adds the life sale, in Canada. Canadian life-licensed advisors on SetUp can try e-signing on their first clients.
Other financial professionals: accountants, bookkeepers, tax preparers, money coaches, mortgage and real estate agents, and advisors licensed for mutual funds or securities.
For life-insurance advisors
The complete app, your first 5 clients on us.
Client onboarding for every client, with the client file built in.
Everything in Starter, plus the life-insurance analysis.
Everything in Planner, plus the life sale.
🍁 Canada OnlyFor other financial professionals
Everything in Essentials, your first 5 clients on us.
Scale past 5, with the full budgeting app and the money picture for every client.
Already have an account? Sign in to choose your plan.
Prices in CAD for Canadian advisors and USD for US advisors. Paid plans replace one another; they don't stack. Already on Starter or Planner? The new features come to you at your current price.
PlanTogether is on iOS and Android today. Every screen on this page is real, and when you email support, you're emailing the founder.
I spent 20 years in life insurance, and I know where the hours go: between the yes and the second meeting. Paper forms. A spreadsheet. Texts asking for one more number. Then typing it all in again back at the office. So I built the tool I wanted. After the yes, your client fills in their own information, and it starts their plan, their advisor disclosure, privacy consent and fact find (in Canada) and, when you turn it on, their budget. The typing goes. The advising stays yours.
Every screen on this page is a real screenshot of the app. Client onboarding, the client's own budget, the life-insurance analysis, and the client-file and life-sale forms for Canadian advisors: all of it is in the app today.
Try it out: your first 5 clients are on us. Clients don't pay for the app. You get a direct line to the founder and real input on the roadmap. Invite one client and watch the setup happen from their side.
PlanTogether is a client onboarding app for life-insurance advisors, accountants, bookkeepers, tax preparers, money coaches, and mortgage and real estate agents: once a client says yes, they fill in their own information on iOS or Android, the professional plans from it, and they get their own budget when the professional turns it on. Canadian life-licensed advisors also get the client-file compliance forms built in. Reminders to finish go out in the professional's name, clients keep their information current between meetings, and there's nothing to retype, so the professional's work is inviting and reviewing.
PlanTogether is built for solo and small-team life-insurance advisors in Canada and the United States, for accountants, bookkeepers, tax preparers, money coaches, and mortgage and real estate agents, and for the clients they serve. Once a client says yes, they fill in their own household, goals and contact details, and keep them current between meetings, so the professional has nothing to retype. Canadian life-licensed advisors also get the client-file forms: advisor disclosure, privacy consent, CASL consent and the Fact Find. Clients use it as their own app, with their own budget when their professional turns it on.
Clients don't pay for the app. PlanTogether bills the professional, and a professional who decides to charge a client for budget access sets that up with them, outside the app. Every professional starts on the SetUp plan at $0 per month with their first 5 clients on us. Life-insurance advisors then choose Starter ($39: client onboarding and client budgets, plus the client-file forms with e-signature in Canada), Planner ($59: adds the life-insurance analysis, savings, investments and net worth, and client meetings) or Compliance ($79, Canada only: adds the life-sale forms with e-signature, and application tracking). Accountants, bookkeepers, tax preparers, money coaches, and mortgage and real estate agents choose Essentials ($39). Paid plans replace one another; they don't stack. Full details are on the pricing page.
Yes. PlanTogether works in Canada and the United States. In both countries, clients fill in their own information after the yes, reminders go to them in their professional's name, and they get their own budget on iOS and Android when their professional turns it on. The compliance forms, from the advisor disclosure to the life sale, are built for Canada only, on rules for every province and territory.
After you've both decided to work together. The first meeting is for getting to know each other. Once you've both said yes, you invite them in four fields, and they fill in their own household, goals and contact details on their phone, with you across the desk or at home. It starts their plan and, for Canadian life-licensed advisors, their advisor disclosure, privacy consent and fact find. Nothing to retype when you get back to the office.
Once you've both said yes, it's four fields to invite. Your client fills in the rest on their own phone, at home or with you across the desk. Your first 5 clients are on us, no credit card. Clients don't pay for the app.