Free
Manual Plan
$0
A simple starting point for basic planning.
- Manual card entry
- Utilization snapshot
- Basic payoff guidance
- One active plan
Pricing
Simple pricing.
Smarter payoff planning.
Start free, then upgrade when you want automatic tracking and ongoing guidance.
Monthly
CardPlan Connected
$9.99/month
Flexible monthly access with connected tracking and planning tools.
- Automatic balance updates
- Connect your cards
- Scenario planner
- Ongoing plan access
- Action checklist
Choose monthly
$9.99/month. Renews monthly until canceled. By choosing Monthly, you agree to the Terms of Service and acknowledge the Privacy Policy.
Annual
CardPlan Connected
$99/year
Save about 17% vs monthlyBest value for ongoing optimization throughout the year.
- Everything in Monthly
- Automatic balance updates
- Scenario planner
- Ongoing guidance
- Priority support
Choose annual
$99/year. Renews annually until canceled. By choosing Annual, you agree to the Terms of Service and acknowledge the Privacy Policy.
Private by designYour data stays protected and is never sold.
Cancel anytimeNo contracts. No long-term commitment.
Compare features
Find the right plan for how you plan.
| Feature | Free$0 | Monthly$9.99/month | Annual$99/year |
|---|---|---|---|
| Manually add cardsEnter your card balances, credit limits, statement dates, APRs, and other details yourself. | |||
| See utilizationSee how much of your available credit you're using overall and on each card. | |||
| Basic guidanceGet a high-level view of your utilization and where you may want to take action. | |||
| See which cards need attentionIdentify the cards that deserve the most attention based on your current situation. | |||
| Connected cards automaticallySecurely connect eligible credit card accounts so CardPlan can retrieve available account and balance data for you. | — | ||
| Automatic balance refreshKeep connected card balances updated without manually re-entering them each time. | — | ||
| Exact payment allocationSee exactly how much of your available money CardPlan recommends putting toward each card. | Limited / locked | ||
| What to pay + whenGet specific payment amounts and recommended timing based on your cards, available cash, and statement dates. | Limited / locked | ||
| Plan recalculates as balances changeCardPlan updates your recommended payment plan as connected balances change. | — | ||
| Statement-date remindersGet reminders around important statement-closing dates so you know when action may be needed. | — | ||
| Saved/history of plansSave previous plans so you can refer back to recommendations and see how your situation has changed. | — | ||
| Ongoing plan monitoringCardPlan keeps watching your connected card situation and surfaces when your plan may need attention or adjustment. | — |
Common questions
Pricing and billing FAQ
Is the Free plan really free?
Yes. The Free Manual Plan costs $0. You enter your cards yourself and get a utilization snapshot, basic payoff guidance and one active plan. Upgrade only if you want connected cards and ongoing guidance.
Do paid plans renew automatically?
Yes. Monthly renews each month and Annual renews each year until you cancel, unless checkout states otherwise. The price, billing frequency and renewal terms are shown before you buy.
How do I cancel?
You can manage or cancel your subscription from your CardPlan account or billing-management page. Canceling stops future renewals, and you keep paid access through the end of the current billing period. Deleting the app or disconnecting a card does not cancel a subscription by itself.
Can I get a refund?
Except where the law requires otherwise or checkout states a different refund right, fees already charged are generally non-refundable, and canceling does not create a prorated refund for the rest of a paid period. If you think you were billed in error, contact us. Full details are in the Terms of Service.
Do I have to connect my cards?
No. You can enter cards manually on any plan. Connected cards are part of CardPlan Connected and run through a third-party financial connectivity provider; CardPlan does not receive the bank passwords you enter in the provider’s sign-in screen.
Will CardPlan improve my credit score?
CardPlan is a planning tool. Its scenarios are estimates and do not guarantee any credit-score, credit-reporting, approval or lending outcome.
Start free. Upgrade when it’s worth it.
Add your cards manually, see your utilization and get basic payoff guidance on the Free plan. No card connection required to start.