Now with AI Advisor — Free During Early Access
PlanLah

Make Every Financial Decision with Clarity

Your personal finance engine for Singapore — track your baseline, set goals, and run what-if scenarios before every big move. Now with a built-in AI assistant to help you make sense of it all.

Financial Snapshot

Net Worth

$284,500

Monthly Surplus

+$2,150

BTO Down Payment67%
AI Assistant: “Can I afford a $600K HDB?” — ask anything about your finances.

Everything you need to plan with confidence

Built for how Singaporeans actually manage money.

Financial Snapshot

Assets, liabilities, income, expenses, and net worth — your complete picture at a glance.

Goal Tracking

Set savings targets, allocate your monthly surplus, and watch your progress move in real-time.

What-If Scenarios

Model home purchases, loans, and big expenses. See the impact on your surplus, goals, and stress runway before you commit.

Singapore-Ready

CPF contributions, HDB financing, SRS deductions — all baked in. Not a US-centric afterthought.

AI Assistant

Chat with an AI that reads your real data. Ask about your finances, run scenarios, or get help understanding CPF rules.

Three steps to financial clarity

1

Add your numbers

Income, expenses, assets, and debts. Takes about five minutes.

2

Set your goals

Savings targets, debt payoff plans. Allocate your monthly surplus.

3

Decide with confidence

Run what-if scenarios. See the impact before you commit.

6

guardrails check every decision

5 min

from zero to full financial picture

$0

free during early access

Your finances deserve serious protection

We handle your data the way we’d want ours handled.

Your Data Stays Yours

We never sell or share your financial data. You can export or delete everything at any time.

Encrypted & Secure

All data is encrypted in transit and at rest. Authentication is handled by Clerk, a trusted identity provider.

PDPA Compliant

Built to meet Singapore’s Personal Data Protection Act standards. We collect only what’s needed and nothing more.

Frequently asked questions

Is PlanLah really free?+
Yes. PlanLah is completely free during early access. There are no hidden charges, no premium tiers, and no credit card required. We’ll always let you know well in advance if that ever changes.
Is my financial data safe?+
Your data is encrypted in transit and at rest, stored in a secure cloud database, and never shared with third parties. Authentication is handled by Clerk, a trusted provider used by thousands of apps. You can delete your account and all associated data at any time.
Who built PlanLah?+
PlanLah is built by a Singaporean developer who got tired of financial planning tools that didn’t understand CPF, HDB, or SRS. It’s a passion project born out of personal need — the same tool we use to make our own financial decisions.
How does the AI advisor work?+
PlanLah’s AI advisor is powered by Claude and has secure, read-only access to your financial data. When you ask a question, it can pull your real numbers — net worth, goals, debts, projections — and reason about them in context. It never fabricates figures or uses anyone else’s data.
Is PlanLah financial advice?+
No. PlanLah and its AI advisor are planning and modelling tools, not licensed financial advisers. The AI uses your real data to help you understand your numbers and explore scenarios, but the decisions are always yours. For personalised advice, please consult a qualified financial adviser.
What happens to my data if PlanLah shuts down?+
If we ever shut down, we’ll give you at least 30 days’ notice and a way to export all your data. We won’t just disappear with your information.
Do you comply with PDPA?+
Yes. We collect only the data necessary to provide the service, store it securely, and give you full control to access, correct, or delete it. Our privacy policy explains everything in plain English.

Stop guessing. Start planning.

Free during early access — no credit card required.