Planswell review
A free household planning service that pairs projections and recommendations with advisor access.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Planswell provides free financial plans for individuals and households, pairing a planning engine with access to financial advisors. Its recommendations cover retirement income, debt repayment and consolidation, investment accounts and contributions, tax-aware investment choices, and life, critical illness and disability insurance needs. It is aimed at Canadian households looking for a plan that connects these decisions rather than treating retirement or investments in isolation. Web, iOS and Android platforms are listed, with cloud and mobile deployment.
The planning engine’s useful distinction is how it connects projections to changing assumptions. Charts and cash-flow projections update when assumptions change, and plans can be updated as household circumstances and estimates change. Retirement age and income projections sit alongside investment and insurance recommendations, giving users a view of how choices may affect future savings and income. This makes Planswell a fit for people who want an evolving household plan; it is less suited to someone looking only for a single-purpose budgeting or account-tracking tool.
Planswell also has an advisor-facing offering with client onboarding, a CRM for contact information, plans, notes and export, plus charts, cash-flow views and a client-facing plan view. That makes the product relevant to solo and small advisory practices as well as households, though the advisor tools extend beyond what a consumer seeking a personal plan needs. The published product details describe free household planning, while the advisor software’s public paid pricing is not presented. Choose Planswell for integrated household projections and recommendations or for its advisor workflow; look elsewhere if your priority is broader financial management rather than planning.
Planswell pros and cons
- Where it wins
- Projects retirement income, savings and changing-assumption cash flow
- Combines debt, investment, tax and insurance recommendations
- Offers a client-facing plan view and advisor CRM tools
- Where it doesn't
- Focuses on financial planning rather than broader financial management
- Advisor CRM features may be unnecessary for households seeking a plan
- Advisor software has no public paid pricing
Planswell fact sheet, pricing and score →
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