01
Enter your pay schedule
Add each income source manually with its amount, cadence, and next payday so Planara can build around your actual schedule.
From confused to confident in minutes
Planara keeps the basics simple for free: enter your income and bills, track payment status, and keep your household on the same page. Pro adds the planning layer that maps every payday toward bills, debt payoff, savings, and future progress.
Free
Visibility and organization
Manually enter your income and bills, mark payments, and share the picture with your household.
Pro
Payday planning intelligence
Turn the same information into a paycheck-by-paycheck plan you can actually follow.
A clearer path from bills to payday planning
The flow is straightforward: get organized first, then unlock a smarter plan when you want help deciding where each paycheck should go.
02
Add bills, subscriptions, and debts
Enter what you owe, when it is due, and what needs attention so your full financial picture is in one place.
03
Track what is paid and what is next
Use Planara to stay on top of paid and unpaid bills and keep your household aligned without spreadsheets or guesswork.
04
See every payday mapped out
Planara Pro turns that information into a clear payday plan showing bill coverage, your living buffer, debt payoff, savings, and forward-looking projections.
Payday Plan View
The plan is visual, not theoretical.
Instead of a generic budget bucket, Planara shows what each upcoming payday covers and how much is going to your living buffer, debt payoff, and savings goals.
- See how each paycheck is split across bills, your living buffer, debt, and savings.
- Track monthly progress and upcoming priorities inside the same plan view.
- Give every payday a job before the money hits your account.
What stays free and what Pro unlocks
The upgrade is for planning intelligence, not for basic organization or household visibility.
Free
Keep the basics organized
Free is built for ongoing visibility so you always know what is due, what is paid, and what your household needs to see.
- Manual setup for income, bills, and due dates
- Paid and unpaid status tracking
- Household visibility for shared finances
Pro
Build a real payday strategy
Pro uses the same core information and turns it into a decision-making system for upcoming paychecks and longer-term progress.
- Payday-by-payday planning
- Debt payoff strategy and extra allocation guidance
- Savings goals and living buffer planning
- Longer-range projections for what comes next
Ready to plan the next payday with intention?
Start with the free foundation, then move into Pro when you want help deciding exactly how each paycheck should work.
No bank connection required