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Free; paid plans start at an undisclosed monthly rate (contact for details)
About Planswell
What is Planswell?
Planswell is a free financial planning platform that creates a personalized financial plan in about three minutes. It calculates your retirement age, projected income, and savings trajectory, helping you see the big picture of your wealth over time.
What problem does it solve?
Many people avoid financial planning because it feels complex or expensive. Planswell removes that barrier by delivering a no-cost, easy-to-understand plan based on your unique numbers—retirement goals, debt, investments, and risk tolerance. It also connects you with licensed advisors across Canada and the United States for deeper guidance.
Who is it for?
Planswell is ideal for individuals and families who want a simple, free starting point for financial planning—especially those curious about retirement readiness, debt consolidation, or investment strategies. It is not for businesses or organizations needing enterprise-grade wealth management tools.
Real use case
A single parent with multiple children can use Planswell to map out retirement savings, understand how insurance and investing fit together, and get actionable advice from a dedicated advisor—all without upfront costs.
Key features
- Retirement projection — See your retirement age and income based on current savings, contributions, and risk tolerance.
- Drawdown strategy — Get an optimized plan to hit your target income for life after retirement.
- Debt plan — Identify consolidation options to lower interest rates and free up cash flow.
- Investment recommendation — Understand how much to allocate toward investments based on your goals.
- Advisor matching — Connect with real financial advisors in Canada and the U.S. for ongoing support.
- Free forever — Full financial plan at no cost, with no hidden fees.
SaaSpartout Score
6.7
/10
Editorial score from our review methodology — not user ratings.
◆ AI advisor — 30 seconds, no signup
Why are you looking at Personal Growth & Planning tools today?
Planswell Pricing
Planswell pricing: Free. Billing model: Free.
For comparison: the median starting price in Personal Development is $12.99/month, measured across 58 tools we track. See the full SaaS Pricing Index →
Free Plan
Get a complete, personalized financial plan including retirement age, income projection, debt analysis, and investment recommendations. No credit card required. Advisors are available at no extra charge.
Frequently asked questions
Is Planswell really free?
Yes, Planswell’s financial plan is completely free with no hidden fees. You get a full retirement, debt, and investment plan at no cost.
How does Planswell work?
You answer a few questions about your finances, savings, and goals. In about three minutes, Planswell generates a personalized plan showing your retirement age, income projections, and steps to improve your financial future.
Who is Planswell best for?
It is best for individuals and families in Canada and the United States who want a free, easy way to start financial planning—especially those unsure about retirement or debt management.
Does Planswell connect me with a real advisor?
Yes. Planswell partners with licensed financial advisors across Canada and the U.S. who can provide personalized advice beyond the automated plan.
What are top alternatives to Planswell?
Popular alternatives include Mint for budgeting, Personal Capital for investment tracking, and Wealthsimple for robo-advisory. Planswell stands out for its free, human-advisor integration.
What is the main limitation of Planswell?
Planswell is focused on individuals and families, not businesses. It also relies on advisor partnerships, so availability may vary by location outside Canada and the U.S.
