SetUp
The complete app — your first 5 clients on us.
- Every feature unlocked — budget, planning, insurance & compliance
- You + your first 5 clients who accept your invite
- No credit card, no trial clock
- Past 5? New client cards simply wait until you pick a plan
Starter
Scale past 5 — the full client app and live shared file.
- Unlimited clients
- The full client app: Budget, Debt Freedom, At-a-glance, Payday Planner & Cashflow CalendarThe live shared file — your client edits, you see them instantly.
- Optionally charge clients for the budgeting suite
Planner
Everything in Starter, plus the planning tools.
- Everything in Starter
- Financial planning tools
- Full life-insurance analysis module
- Savings & investment balances
Compliance
Everything in Planner, plus the compliance module.
🍁 Canada Only- Everything in Planner
- Client-Level Compliance — every file, always on: continuous disclosure/fact-find/privacy/renewal/signature checks
- Sale-Level Compliance — every life sale, locked in order: needs analysis, the four sale documents, gated sequence
- Auto-generated forms, per-jurisdiction rules, signed copies on record & a dated audit trail
Paid plans replace one another — never stacked. Cancel any time.
The honest answers.
Is it actually free?
Yes — the SetUp plan is $0 with every feature unlocked for you and your first 5 clients who accept your invite. No credit card, no trial countdown.
What happens after 5 clients?
Nothing breaks and nothing is deleted. New client cards simply wait, greyed out, until you pick a paid plan. Your existing clients keep full access.
Do my clients pay?
Their client portal is free — they log in any time to update their details and review their plan. The one piece you can optionally charge clients for is the budgeting suite; price it, reserve it as a courtesy for your top clients, or simply include it — your call, and you keep the revenue.
Can I switch plans later?
Anytime. Move up a tier and it’s prorated — you only pay the difference, from the day you switch. Move down or cancel and there’s no new charge: your current plan runs out the time you’ve already paid for, then ends. Paid plans replace one another — never stacked.
Where is the compliance module available?
The compliance module is Canada-only today, with per-jurisdiction rules for every province and territory. The rest of PlanTogether works across North America.
Is there a contract?
No contract and no lock-in. It’s month to month — cancel any time. We’d rather earn the next month than trap you in it.
Start with five. On Us.
Spin up your shared workspace, invite a client, and watch the to-do list clear itself. No credit card required.