“I make good money, but I still don’t know if I’m doing the right things.”
You’re earning, saving, spending and investing — but you can’t easily see whether your money is actually moving toward the life you want.
Educational financial planning app
See what your money can do before you make the decision.
Points Planner brings your budget, credit card points and miles, travel plans, retirement scenarios, and bigger financial decisions into one connected view — so you can give each dollar a job and understand how today’s choices may affect your financial picture.
Free tier available · Premium from $9.99/month · Educational purposes only
Start free
Explore before upgrading
Connected planning
See more than one money decision at a time
Scenario-based
Compare possible outcomes before acting
Educational only
Built to support informed decisions, not replace advice
The real problem
You don’t have a “not enough apps” problem. You have a nothing-talks-to-each-other problem.
You can have a budget spreadsheet, a rewards app, a retirement calculator, five browser tabs about credit cards, and a random rental-property calculator — and still have no idea how the decisions fit together.
Your budget lives over here. Your points live over there.
Your cash flow might say a trip is expensive while your points balances tell a different story. Most tools never connect the two.
Every big decision becomes another research project.
Can you afford the trip? Is that premium card worth keeping? Are you saving enough for retirement? Does that investment property make sense? You shouldn’t need twelve tabs to start answering one question.
You have goals — but not one place to see the tradeoffs.
Travel, debt, saving, investing, retirement and lifestyle decisions all compete for the same dollars. Seeing the whole picture makes those tradeoffs easier to understand.
The goal isn’t to obsess over every dollar. It’s to understand what each dollar is doing.
Inside Points Planner
Your foundation
Everyday money
Travel rewards
Card strategy
Travel planning
Long-term planning
Real estate
Credit planning
Premium planning
One place to model the money decisions that usually live in five different places.
Start with your current picture, then use the planning tools that matter to you. You don’t need to become a spreadsheet person to see how the pieces connect.
Financial snapshot
Bring your core financial information into one view so you can understand where you stand before deciding what to change.
Budget + cash-flow planning
Give your dollars a job, plan around your goals, and see how spending choices fit into your broader financial picture.
Credit card + points tracking
Track cards and rewards programs so you can see what you have, what you’re earning, and where your points strategy may need adjusting.
Compare how different cards change your earning
Model different card-use strategies and see how your annual points earning can change before paying for another premium card.
Plan what a trip actually costs you
Think through the cash side and the points-and-miles side together, so you can make a more informed plan for funding travel.
Retirement scenarios
Explore retirement assumptions and see how different choices may change the picture over time — without pretending a projection is a guarantee.
Investment property analysis
Model a potential property using your assumptions so you can better understand the numbers before deciding whether it deserves a closer look.
Credit profile + approval readiness
Organize the information that affects your credit-card strategy and make more thoughtful decisions about when another application fits — or doesn’t.
Household + business views
Connect more of your financial life with shared household planning and business financial tracking when you need a wider view.
More than a budget
Your money decisions don’t happen in separate boxes. Your planning tool shouldn’t either.
Points Planner is built around the connection between today’s cash flow, tomorrow’s goals, the rewards you already have, and the big decisions you’re considering next.
Spend with context
A trip isn’t just “an expense” when points could cover part of it. See the bigger picture before deciding what your budget needs to do.
Compare before committing
Use scenarios to test assumptions rather than making a choice first and trying to justify it afterward.
Know what each dollar is for
Make room for the life you want now while still seeing how those choices interact with longer-term financial priorities.
What the numbers can reveal
Sometimes the most valuable answer is realizing you don’t need to spend more.
“I can actually see how using different cards changes how many points I’ll earn in a year — dramatically. I don’t even need my $800 Amex.”
Early Points Planner user feedback
Early win
Points strategy
Money saved
The goal: clearer decisions, not more financial noise.
Points Planner is new, so this page intentionally uses only the feedback we actually have. No made-up testimonials. No inflated claims.
“I can actually see how using different cards changes how many points I’ll earn in a year — dramatically.”
“I don’t even need my $800 Amex.”
Is this for you?
Points Planner is for people who want to understand their choices — not hand every decision to an app.
This is for you if…
- You make decent money but still wonder whether you’re deploying it in the smartest way for your goals.
- You use spreadsheets, budgeting apps, blogs and calculators — but you’re tired of piecing the answer together yourself.
- You care about travel and points, but you also care about retirement, investing and your overall financial health.
- You want to model a decision before making it.
- You want a clearer picture without turning personal finance into a second job.
It’s not the right fit if…
- You want personalized financial, investment, tax or legal advice from the app.
- You want an app to guarantee investment returns, retirement outcomes, credit approvals or travel redemption value.
- You don’t want to enter or review your own assumptions.
- You’re looking for a tool that makes decisions for you instead of helping you understand your options.
Why Points Planner exists
Because your budget, your points, your travel plans and your future are all using the same money.
She Found Wealth was built around a simple belief: financial wellness isn’t about squeezing every bit of joy out of your life so a spreadsheet looks perfect.
The problem is that most planning tools split your financial life into separate pieces. Budgeting happens in one app. Credit card strategy happens in another. Retirement gets a calculator. Travel points get a spreadsheet. A rental property gets yet another calculator.
Points Planner was created to help those decisions live closer together — so you can see the tradeoffs, understand your assumptions, and make more intentional choices with your money.
It’s educational by design. The app gives you tools and scenarios to support your thinking; it doesn’t replace advice from a qualified professional who understands your full situation.
Premium access
Upgrade when you want more of your financial life in the same picture.
The free tier lets you get started. Premium unlocks the deeper planning tools designed for more connected financial decisions.
Household planning
See beyond one person’s numbers. Link household financial information so shared goals and decisions can be considered together.
Business financial tracking
Bring another side of your money into view. Track business financial information alongside the personal planning decisions it may affect.
Advanced scenario tools
Go beyond basic budgeting. Explore retirement projections, investment-property scenarios, card strategy and other higher-stakes planning questions.
Grandfathered introductory pricing
Join at the introductory rate and keep it. Your subscription price will not increase while you remain subscribed.
Choose your plan
Monthly
Best value
Start free. Upgrade when you’re ready to connect more of the picture.
Premium Monthly
$9.99 / month
Full premium access with the flexibility of monthly billing.
- Premium Points Planner tools
- Advanced planning scenarios
- Household linking / shared planning
- Business financial tracking
- Grandfathered introductory price while subscribed
Premium Annual
$99 / year
Save $20.88 per year compared with paying monthly for 12 months.
- Premium Points Planner tools
- Advanced planning scenarios
- Household linking / shared planning
- Business financial tracking
- Grandfathered introductory price while subscribed
Not ready for Premium?
Start with the free tier and get familiar with Points Planner first.
Questions? Email YOUR_SUPPORT_EMAIL. Points Planner is an educational tool and does not provide financial, investment, tax, legal, credit or other professional advice. Projections and scenarios depend on the information and assumptions entered and are not guarantees of future results.
FAQ
The questions you should ask before trusting an app with financial planning.
No. Points Planner is for educational and informational purposes. It helps you organize information, compare scenarios and understand how different assumptions may affect your financial picture. It does not provide personalized financial, investment, tax, legal or credit advice. For advice specific to your situation, work with an appropriately qualified professional.
You can create your profile and start seeing a useful financial snapshot in about 15 minutes. You can add more information over time as you decide which planning tools you want to use.
No. Points Planner is designed to make the connections easier to see. You’ll still need to enter or review your information and assumptions, but you do not need to be a financial professional or spreadsheet expert.
It can help you compare card strategies, estimate how different usage patterns may affect points earning, and organize information relevant to your decision. It does not guarantee approval or tell you that a particular financial product is right for you.
No. Those tools are scenario models based on the assumptions and information entered. Actual investment returns, property expenses, financing costs, taxes, retirement outcomes and other real-world results can differ materially.
Your subscription is processed securely through Stripe. After checkout, follow the access instructions provided to enter Points Planner and use the features included with your plan.
If you subscribe during the introductory pricing period, your subscription price will not increase while you remain subscribed. If you cancel and return later, the pricing available at that time may apply.
If you choose to connect a supported third-party service, Points Planner uses authorized data only for the feature you choose to use. Before publishing this page for Google OAuth verification, replace or expand this answer with the exact Google service, data type, and app feature involved. Points Planner does not use connected Google data for advertising. See the Privacy Policy for details.
Your exact cancellation and refund terms should appear in your Terms of Service and at checkout. This page does not promise a refund policy that has not been confirmed. Replace this answer with your final policy before publishing.
It is not for someone looking for an app to make financial decisions for them, guarantee outcomes, or replace a professional adviser. It is built for people who want to understand their options and use educational planning tools to make more informed decisions.
Yes. You can start with the free tier, then upgrade to Premium if you want access to deeper planning features such as household linking, business financial tracking and advanced scenario tools.
Give your dollars a job — and see what the plan looks like together.
Start with your financial snapshot in about 15 minutes, then use Points Planner to explore the decisions that matter to you. Start free, or lock in introductory Premium pricing now.
Start Planning Free →Premium: $9.99/month or $99/year · Educational purposes only
