OurPlan: Couples Budget

Debt & Payday Plan for Two

Free · In‑App Purchases

Put debt minimums first on payday, confirm what was actually paid, and build a recovery plan both partners can keep—without linking bank accounts. 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/

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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.

Version 2.0

The developer, Daniel Torrijos, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Financial Info
    • Contact Info
    • User Content
    • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • Daniel Torrijos
Size
  • 11.1 MB
Category
  • Finance
Compatibility
Requires iOS 18.6 or later.
  • iPhone
    Requires iOS 18.6 or later.
  • iPad
    Requires iPadOS 18.6 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
Copyright
  • © 2026 OurPlanApp
  • Developer Website
  • Privacy Policy

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