See every recurring charge. Build a plan you can actually follow.
OnlyPlans starts with subscription intelligence — then grows with you into budgets, goals, reports, and long-term forecasting. One calm place for your money.
Read-only access via Plaid · 7-day free trial · Cancel anytime
Start with subscription intelligence — expand into budgets, reports, and forecasting when you are ready.
Subscription intelligence, on autopilot
Recurring charges are the fastest way to leak money. OnlyPlans finds them first — then helps you cut what does not belong.
Every recurring charge, found
We scan transactions and surface subscriptions and bills automatically — including annual renewals and duplicates you forgot about.
Alerts before surprises hit
Get warned before free trials convert, prices climb, or a bill you ignored is about to renew.
Full planning when you need it
No app switching as your finances get more complex. Budgets, reports, and forecasting live beside the subscription work you already trust.
Budgets & goals that stick
Set targets, track progress, and share plans with your household — without rebuilding spreadsheets every month.
Reports that show the flow
Cashflow, spending breakdowns, and Sankey views so you know where money comes from and where it goes.
Forecast what comes next
Model retirement and what-if scenarios on Premium. Add business and rental income with the Business add-on.
Built for households
Invite a partner or family on Plus and Premium with role-based access — everyone sees the same picture.
Start small. Add depth when it matters.
Core handles recurring money leaks. Plus unlocks day-to-day management. Premium and Business add-ons cover long-range planning and side income.
Cut the waste
Find forgotten subscriptions, spot price hikes, and follow step-by-step cancel guides when something has to go.
Run your month
Budgets, goals, net worth, custom rules, receipt scanning, and unlimited bank connections on Plus.
Plan the future
Retirement and what-if forecasting on Premium. Track business and rental income with the Business add-on.
Three steps to a clearer money picture
Connect your accounts
Link banks and cards through Plaid in under a minute. Read-only access — we never see your login.
See what repeats
Recurring charges appear with amounts, renewal dates, and savings suggestions — before they surprise you.
Plan and adjust
Cut what you do not need, budget what you do, and grow into forecasting when you are ready.
Your first week is on us.
Connect a bank, see recurring charges, and explore the full plan lineup — free for seven days.
Bank-grade, read-only, yours.
We connect through Plaid — the same infrastructure trusted by leading finance apps. OnlyPlans never sees your login, never moves your money, and never sells your data.
- Read-only access
- Bank-grade encryption
- Credentials never touch us
- Ad-free · we never sell your data
People plan clearer with OnlyPlans.
We started for the subscription cleanup and stayed for budgets and reports. It is the first tool that feels calm instead of overwhelming.
Priya N.
Plus member
The price-change alerts paid for themselves. I caught a streaming bump before it hit and rerouted that money into a savings goal.
Marcus T.
Plus member
Our household finally shares one view of recurring bills and monthly targets. No more surprise charges in the group chat.
Dana & Sam
Household plan
Your first week is on us
Find every recurring charge, cancel what you don't use, and grow into budgets, goals, and retirement planning—all in one place.
Plus
Full money management for up to 4 people.
Free for 7 days
$12.42/month after, billed $149
Everything in Core, plus
- Shared budgets & goals
- Role-based household access
- Up to 4 household members
Free 7-day trial, then $149/year. Cancel in settings before trial ends. Payment method required.
Premium
Retirement forecasting for your whole household.
Free for 7 days
$14.08/month after, billed $169
Everything in Plus, plus
- Retirement projections
- What-if scenario planning
- Long-range forecasting tools
Free 7-day trial, then $169/year. Cancel in settings before trial ends. Payment method required.
Business Add-on
Track rental & business income on any Plus or Premium plan.
$8.25/month after, billed $99
Stacks on Plus or Premium
- Business & rental income streams
- Income summaries in reports
- Tax-prep friendly exports
$99/year. Cancel anytime in settings. Payment method required.
Questions, answered.
Is OnlyPlans just for subscriptions?
Subscriptions are where most people start — automatic detection, price alerts, and cancel guidance. Plus and Premium add budgets, goals, net worth, reports, household sharing, and long-term forecasting so you can manage all of your money in one place.
Is my financial data secure?
Yes. OnlyPlans uses bank-grade encryption and read-only account access through Plaid. We can read transactions to categorize and detect recurring charges, but we can never move money or make payments on your behalf.
Do you store my bank login?
Never. Your credentials are handled by Plaid and are never visible to or stored by OnlyPlans.
Can my partner use OnlyPlans with me?
Yes. Plus and Premium household plans support up to four members with read or read/write roles, shared budgets, and shared goals.
What does it cost?
Every paid plan includes a 7-day free trial. Core covers subscription intelligence for one person. Plus adds unlimited institutions, budgets, goals, and reports. Premium adds forecasting. The Business add-on tracks rental and business income. See pricing for current rates.
Plan clearly. Move confidently.
Connect your accounts, see what repeats, and build a money plan that grows with you.