PlanTogether by MyFinancialApps - 2026 Pricing, Features, Reviews & Alternatives

PlanTogether is a financial-planning app for life-insurance advisors and other financial professionals, such as accountants, bookkeepers, tax preparers, money coaches, and mortgage and real estate agents, and their clients: clients get their own budgeting app on iOS and Android, and Canadian life-licensed advisors get two named compliance modules - Client-Level Compliance and Sale-Level Compliance. Client functions: a household budget, Safe-to-Spend with a 12-month cashflow runway, Debt Freedom payoff dates using snowball or avalanche with an extra-payment slider, goals, net worth, and the Payday Planner and Cashflow Calendar, which clients switch on themselves. Budget tracking is active by design: clients plan ahead and enter and confirm their own spending, with no bank syncing. Advisor functions: invite clients from a dashboard, plan from the numbers the client keeps current, run a needs analysis from the client's own numbers if life-licensed, and control what each client can see. Compliance functions for Canadian life-licensed advisors: Client-Level Compliance checks every client file for disclosure, privacy consent, fact find with client confirmation and needs analysis, with deficiencies listed per client. Sale-Level Compliance gates each life sale in order: needs analysis, reason-why letter, replacement paperwork including the Quebec AMF notice, and policy delivery receipt, each step dated with signed copies on record, under rules for every Canadian province and territory. E-signature is built in at no extra cost on the Compliance plan, or paper with the copy recorded on file. Platforms: iOS and Android apps, plus web access. Not included: insurance quoting, illustration comparison, in-force illustrations, and CRM pipeline management. Pricing: SetUp is $0 per month for the professional plus the first five clients. Life-licensed advisors get everything except sending documents for e-signature, then Starter, Planner and Compliance at $29, $49 and $79 per month; other financial professionals, such as accountants, bookkeepers, tax preparers, money coaches, real estate agents, and advisors licensed for mutual funds, securities or mortgages, get Essentials at $39 per month. Month to month, CAD in Canada and USD in the US. Clients do not pay for the app: PlanTogether bills the advisor, and an advisor who decides to charge a client for budget access sets that up with them, outside the app.