# Planlaa: Debt Payoff & Budget — AI Money Coach for Card Debt

> AI Money Coach for Card Debt (iPhone/iPad app by Talha Tosya.)

- Source: https://appshunter.io/ios/app/planlaa-debt-payoff-and-budget/id6754805939 (this page in markdown: same URL + `.md`)
- Developer: [Talha Tosya](https://appshunter.io/developer/1808135216)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 13.0 · 93 MB
- Languages: American English
- Released: 2026-03-14
- Data updated: 2026-11-09

## What is Planlaa?

Bring your credit cards, loans and overdraft into one plan. Planlaa works out the fastest, lowest-interest way to pay off your debt, and Planlaa AI, your AI money coach, is with you at every step.

Paying the minimum doesn't end debt; interest keeps growing. Planlaa gives you a clear path: which debt to pay first, how much to pay each month, and how many months until you're debt-free.

PLANLAA AI: JUST ASK
• Ask "What's the fastest way to pay off my card?" and Planlaa AI answers with your debts, income and goals in mind.
• See in real numbers how many months a bigger payment saves and how much interest you avoid.
• Turn its suggestion into a plan with one tap.

SMART DEBT PAYOFF PLAN
• Add credit cards, personal loans, overdraft, gold debt and money owed to friends.
• Compare four strategies on the same budget: Planlaa Blend, Interest Hunter (avalanche), Snowball and Balanced.
• See each strategy's payoff time and total interest side by side, then pick yours.
• Stay on time with a payment calendar and reminders.

STATEMENT ANALYSIS
• Upload your credit card statement as a PDF and your spending is sorted into categories automatically.
• See where your money went: groceries, dining, online shopping, fuel, subscriptions.
• Smart insights flag the minimum-payment trap, forgotten subscriptions, fees and interest.
• Add the statement as a debt with one tap.

FINANCIAL HEALTH SCORE
• Payment discipline, debt-to-income, card utilization, emergency fund, interest burden and currency risk in one score.
• Get concrete steps to raise it.

BUDGET, EXPENSES AND GOALS
• Track income and expenses, your monthly budget and what's left.
• See your net worth, debts and savings on one screen.
• Create savings goals for a car, a home or a trip and follow your progress.
• A weekly check-in keeps you on top of the month.

CALCULATORS
• Minimum payment simulator, loan, inflation, time deposit, salary raise, savings goal and bill split calculators.
• Zakat calculator, currency and gold rates.

PRIVATE BY DESIGN
• No bank password needed; you enter your own data.
• Planlaa AI does not give investment advice; answers are calculations based on your data.

MEMBERSHIP
Planlaa is free to use. Plus and Premium add more AI messages, strategy comparison, statement analysis and advanced score features. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel them in your App Store account settings.

Terms of Use: https://planlaa.com/terms
Privacy Policy: https://planlaa.com/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Planlaa Premium | $2.99 | per month |
| Planlaa Plus | $1.99 | per month |
| Planlaa Plus | $19.99 | per year |
| Planlaa Premium | $29.99 | per year |


## Is Planlaa safe?

Not enough ratings yet to assess Planlaa.

## Is Planlaa legit?

Planlaa: Debt Payoff & Budget has limited verification signals. The AppsHunter Legitimacy Score for Planlaa is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 3 releases)

### 2.0.0 — 2026-11-07

Planlaa AI now suggests debt and savings plans and keeps your chat history. New setup flow, weekly check-in and performance improvements.

### 1.0.1 — 2026-05-27

What's new in Planlaa!

- Redesigned interface — cleaner and smoother experience
- Gold day group creation — easily track your gold savings groups
- Gold savings — add and monitor your gold savings in grams
- Gold debt tracking — manage your gold-based debts
- Term deposit income — track returns from deposit and participation accounts
- Various improvements and bug fixes

### 1.0 — 2026-03-14

No release notes.

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## More apps by Talha Tosya

- [Pulse Loop: Aura Orbs](https://appshunter.io/ios/app/pulse-loop-aura-orbs/id6781050978)

All apps by Talha Tosya: https://appshunter.io/developer/1808135216

## Related topics

[financial coach](https://appshunter.io/ios/topics/financial-coach)

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*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 2026-11-09.*