Question 1

Isn't this just for serious couples?

Accepted Answer

Nope! We're built for all stages—from roommates splitting utilities to married couples with kids. Start wherever you are, upgrade when (and if) you're ready.

Question 2

What if my partner earns way more/less than me?

Accepted Answer

That's exactly why we built income-proportional splitting. Contribute based on what's fair for YOUR situation, not what some finance bro on Twitter says is 'right.'

Question 3

Can they see everything I spend?

Accepted Answer

Only if you want them to. Privacy controls mean you decide what's shared and what's not. Buy them a gift without spoiling the surprise.

Question 4

What if we break up?

Accepted Answer

We've built graceful separation into the app. Settle shared expenses, separate accounts, and move on without drama. We hope you don't need it, but it's there.

Question 5

Why should I trust you with my financial data?

Accepted Answer

We use Open Banking (FCA-regulated), bank-level encryption, and your data never leaves the UK. We don't sell your data, ever.

Question 6

Do I need to switch banks to use plan/ria?

Accepted Answer

No! plan/ria works alongside your existing bank accounts—Monzo, Revolut, traditional banks, whatever you use. We connect via Open Banking so you can start tracking shared expenses without switching. Build trust through daily use, then we'll earn the right to ask for more later.

Question 7

How is plan/ria different from other budgeting apps?

Accepted Answer

Unlike traditional budgeting apps that treat all users the same, plan/ria is specifically designed for relationships. We understand that your financial needs change as your relationship evolves - from casual dating to marriage. Our platform adapts with sliding-scale financial integration, so you can share what matters while keeping personal privacy. Plus, we work alongside your existing bank—no switching required.

Question 8

Is my financial data secure?

Accepted Answer

Absolutely. We use bank-level encryption and security protocols to protect your data. We're regulated by the FCA and use Open Banking standards, which means your data is as secure as when you use your regular banking app. You control what you share with your partner, and we never sell your personal information.

Question 9

How does the bill splitting work?

Accepted Answer

Our smart splitting algorithms can divide expenses by percentage, income ratio, or custom rules you set together. Whether it's splitting rent 50/50 or having the higher earner contribute more to groceries, plan/ria automatically calculates fair splits and tracks who owes what - no more awkward conversations or messy spreadsheets.

Question 10

What if my partner and I have very different incomes?

Accepted Answer

This is one of the most common challenges couples face, and it's exactly why we built plan/ria. You can set up income-based splitting where contributions are proportional to each person's earnings. This way, both partners contribute fairly based on what they can actually afford—no one feels overwhelmed or resentful. It's about fairness, not equality.

Question 11

Can I keep some finances private?

Accepted Answer

Absolutely, and that's completely normal. 88% of people in relationships value maintaining some financial independence. You choose what to share—from complete privacy to full transparency. Keep personal purchases private while sharing household expenses, or gradually increase transparency as your relationship and trust deepen. There's no judgment here.

Question 12

What happens if we break up?

Accepted Answer

We understand relationships can change, and that's okay. plan/ria includes graceful separation tools that help you settle shared expenses, divide joint accounts, and transition back to individual banking—all while maintaining privacy and reducing conflict during what can already be a difficult time. We hope you never need it, but it's there when you do.

Question 13

Do you offer physical cards?

Accepted Answer

Yes! You'll each get beautiful physical cards that can draw from shared accounts with customizable spending limits. This gives you the convenience of shared finances while maintaining individual control and privacy. Start with bill-splitting using Open Banking, then upgrade to cards when you're ready.

Question 14

Is plan/ria only available in the UK?

Accepted Answer

Currently, yes. We're launching first in the UK to focus on local regulations like council tax, ISAs, and property sharing agreements. However, we plan to expand to other markets based on demand from our early access community.

Question 15

How much does plan/ria cost?

Accepted Answer

Start free with bill-splitting features. After launch, we'll have simple, transparent pricing starting from free for basic features, with premium plans from £4.99/month per couple. No hidden fees, no transaction charges. Works with your existing bank accounts—no switching required. See our full pricing details for more information.

Question 16

When will plan/ria be available?

Accepted Answer

We're currently in development and onboarding early access users. Join our waitlist to be among the first to get access and help us build something that actually works for real relationships. Your feedback will directly shape what we build.

Question 17

Can I have a plan/ria if I'm single?

Accepted Answer

Yes! While plan/ria is designed to grow with relationships, you can absolutely start using it as a single person. Manage your personal finances, track expenses, and when you're ready to share finances with someone special, plan/ria will seamlessly evolve to support your new relationship journey.

Honest questions deserve honest answers

Frequently asked questions

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Honest questions deserve honest answers

Frequently asked questions

Related Resources