# OurPlan: Couples Budget — Debt Payoff & Paycheck Planner > Debt Payoff & Paycheck Planner (iPhone/iPad app by Daniel Torrijos.) - Source: https://appshunter.io/ios/app/ourplan-couples-budget/id6760730097 (this page in markdown: same URL + `.md`) - Developer: [Daniel Torrijos](https://appshunter.io/developer/1885955547) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 18.6 · 11 MB - Languages: American English - Released: 2026-04-30 - Data updated: 2026-08-23 - User reviews in markdown: https://appshunter.io/ios/app/ourplan-couples-budget/id6760730097/reviews.md ## What is OurPlan? Getting out of debt is hard enough. Doing it as a couple should not require guessing who paid what, arguing over priorities, or handing over your bank credentials. OurPlan helps couples turn each paycheck into a shared financial recovery plan. It does not import transactions or move money. Instead, it helps you decide what should happen next, carry out the plan, and confirm what actually happened. PUT REQUIRED PAYMENTS FIRST Add credit cards, loans, and other debts with their balances, APRs, minimums, and due days. Debt minimums become protected Essentials in the payday plan before savings and flexible spending. If income is short, Debt Rescue Mode shows what the entered paycheck can cover and where the shortfall remains. KEEP THE PAYDAY PROMISE Assign the paycheck across bills, debt, savings, and spending buckets. Assignment means planned—not paid. After you make a payment or transfer, confirm the actual amount so both partners can see what is still open. KNOW WHETHER YOU ARE ON TRACK OurPlan distinguishes money that was assigned from actions that were confirmed. Money Meetings surface unfunded commitments, unconfirmed debt payments, stale agreements, and the next move to make together. PLAN DEBT WITHOUT BLAME Compare estimated debt avalanche and debt snowball timelines, document ownership and fair contributions, and answer difficult planning questions privately before revealing both choices. FREE CORE Create a shared plan, invite your partner or spouse, protect debt minimums, assign paychecks, use Debt Rescue Mode, keep Payday Promises, and run guided Money Meetings. OURPLAN PRO Unlock Debt Payoff Forecasts, Couple Debt Agreements, Shared Debt Progress, Private-Then-Reveal Planning, Partner Balance, What-If scenarios, insights, unlimited buckets and goals, recurring items, full meeting history, premium widgets, and CSV export. WHY NO BANK LINKING? Bank feeds explain past transactions. OurPlan focuses on the decisions and follow-through that determine what happens next. You confirm lender balances and completed payments yourself, so progress is based on information you entered—not an unsupported claim that a payment cleared. IMPORTANT Payoff forecasts are estimates based on the balances, rates, payments, and timing you enter. OurPlan does not guarantee payoff dates, move money, verify lender activity, or replace financial, legal, tax, or credit advice. Annual Pro is $49.99/year with a 14-day free trial for eligible new subscribers. Monthly Pro is $9.99/month. Purchases restore on devices signed in with the same Apple ID. Your household plan is encrypted before syncing through CloudKit. There are no bank credentials or third-party ad tracking. Privacy Policy: https://getourplan.app/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | OurPlan Pro | $49.99 | per year | | OurPlan Pro | $9.99 | per month | ## Version history (last 5 releases) ### 2.0.3 — 2026-08-14 Behind-the-scenes polish and a refreshed App Store preview. Same OurPlan you rely on: protect your debt minimums, plan every payday, and stay on the same page as a couple. Thanks for building your plan with us. ### 2.0.2 — 2026-08-13 Recurring bills and payments are now free for everyone — set them up once and your payday checklist always knows what has to be covered. Plus the debt-payoff tools keep getting sharper: your balance updates the moment you record a payment, extra principal counts, and clearing a debt is properly celebrated. Thanks for using OurPlan. Tell us what would help you and your partner most. ### 2.0.1 — 2026-08-06 Debt payoff you can actually see. SEE WHAT YOU OWE NOW Record a payment and your balance updates right away as a clear estimate, with your last lender-confirmed figure kept visible beneath it. Nothing is ever presented as verified unless your lender confirmed it. RECORD PAYMENTS AS THEY HAPPEN Enter what you paid this time instead of working out a running total. Paid extra on top of what payday assigned? That now records properly too. THE LENDER BALANCE IS OPTIONAL Haven't checked your statement yet? Record the payment anyway. Your confirmed balance stays untouched until you enter a real one. WATCH IT COME DOWN Balances count down as payments land, and clearing a debt is properly celebrated. FOLLOW YOUR JOURNEY A month-by-month view of every payment made, missed, in progress, and still ahead. KNOW WHAT IT IS COSTING See the interest you would pay at minimums alone. With Pro, see exactly what your extra payment saves you in both money and months. FEWER COSTLY MISTAKES OurPlan now questions a lender balance or required payment that does not add up, and can suggest an affordable extra payment from money your plan has not assigned. Your statement always wins. ALSO FIXED Transaction edits now sync reliably between partners. Paid-off debts no longer sit at the top of your plan. Balances stay consistent across every screen, and funded amounts roll over correctly into a new month. ### 2.0 — 2026-07-20 Turn debt payoff into a plan you can keep together. OurPlan 2.0 puts required debt payments first on payday, separates assigned money from confirmed action, and shows what needs attention next. NEW • Add debts with balances, APRs, minimum payments, and due dates. • Compare estimated avalanche and snowball payoff approaches. • Use Debt Rescue Mode when a paycheck cannot cover the full plan. • Create a Payday Promise, then confirm the amount actually paid or transferred. • Agree on debt ownership and fair monthly contributions as a couple. • Choose privately and reveal together before making difficult shared decisions. • See confirmed debt reduction, verified-payment streaks, and progress milestones. IMPROVED • Money Meetings now surface unverified payments, shortfalls, and agreements that need review. • Payday funding protects required debt minimums before lower-priority categories. • New guidance explains what every status means and what to do next. Forecasts are estimates based on information you enter. OurPlan does not link accounts, move money, or verify lender activity. ### 1.4 — 2026-07-11 Make it easier for both partners to get started and stay in the same plan. - Simplified first-plan setup around paycheck, plan, and invite - Made partner invites easier to complete after downloading the app - Added specific Pro upgrade guidance for goals, smart logging, meeting history, and exports - Improved purchase and review flow reliability - Fixed onboarding progress behavior ## Related topics [budgeting couples](https://appshunter.io/ios/topics/budgeting-couples) · [free budgeting apps couples](https://appshunter.io/ios/topics/free-budgeting-apps-couples) · [budget app for couples](https://appshunter.io/ios/topics/budget-app-for-couples) · [couples budget app](https://appshunter.io/ios/topics/couples-budget-app) · [budgeting app for couples](https://appshunter.io/ios/topics/budgeting-app-for-couples) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-23.*