One plan for every stage of life
Start free and grow into the tools you need. Upgrade anytime — downgrade just as easily. No contracts, no surprises.
Organizer
Get organized. Track what matters most — housing, utilities, and insurance — all in one place.
- 3 life domains — housing, utilities, insurance
- Track bills, policies & key dates
- Life Audit to find gaps in coverage
- 10 AI conversations per month
Advisor
See the full picture. Unlock every domain, unlimited AI, and tools to actively save money.
- All 10+ life domains — vehicles, health, legal & more
- Unlimited AI — find savings, compare providers, optimize
- Full Life Audit with actionable recommendations
- Portfolio dashboard — net worth, spending & savings views
- Smart provider comparison — see if you're overpaying
- Priority support — fast answers when you need them
Operator
Run everything. Manage businesses, share with family, automate workflows, and build integrations.
- Everything in Advisor, plus:
- Business management — track LLCs, rentals & expenses
- Household sharing — invite family, assign responsibilities
- Automated workflows — reminders, renewals & alerts
- Developer API — connect 1Plan to your own tools
Frequently Asked Questions
Can I really use 1Plan for free?
Absolutely. The Organizer plan gives you 3 life domains, bill tracking, and a Life Audit at no cost. No credit card required to start.
What happens when I upgrade?
You instantly unlock all life domains, unlimited AI conversations, and advanced features like portfolio dashboards and provider comparisons. No data is lost — everything carries over.
Can I cancel anytime?
Yes. Cancel with one click from your billing settings. Your plan stays active until the end of your billing period — no proration, no hassle.
What is the Life Audit?
It's our signature feature that analyzes your policies, bills, and coverage across all domains. It identifies gaps, overpayments, and missed savings opportunities.
What does API access include?
Operator plan users get access to the 1Plan Developer API, allowing you to connect your data to personal dashboards, spreadsheets, or custom tools you build.
Is my data secure?
Yes. We use bank-level encryption (AES-256), never sell your data, and give you full control to export or delete everything at any time.