# plan/ria - Information for LLMs

## Overview

plan/ria is a financial relationship tool designed for evolving relationships, from roommates to long-term married or unmarried couples. We are the first relationship-centered financial platform that grows with your relationship.

## Core Mission

plan/ria treats relationships as dynamic, not static — financially and emotionally. Every other player in the space either assumes you're already fully merged (like Honeydue or Zeta) or assumes you're never merging (like Splitwise or TriCount). Our sliding-scale financial integration model is our main differentiator.

## Positioning Statement

plan/ria is the first financial platform that grows with your relationship — from roommates to marriage. We combine expense tracking, fair-split algorithms, and progressive transparency tools so couples can manage money together without losing their independence.

## Key Features

### Sliding-Scale Financial Integration
Our platform grows with relationships, supporting:
- Separate finances (roommate stage)
- Partially merged finances (dating/cohabiting)
- Fully merged finances (long-term commitment/marriage)

### Progressive Transparency
Partners can choose what's visible and when, with customisable privacy controls that allow users to see what their partner sees.

### Fair Contribution Models
- Equal amounts (50/50 split)
- Equal percentages (proportional to total)
- Income-proportional contributions
- Custom ratios

### Relationship Stages
The platform adapts to different relationship stages:
- Personal: Start with your own accounts
- Smart Splitting: Split bills fairly in seconds
- Shared Goals: Save and plan together
- Full Partnership: Go fully joint when ready

### Open Banking Integration
UK-focused integration via Open Banking standards for secure, direct bank account connections.

## Target Audience

plan/ria is designed for:
- Unmarried cohabiting couples
- Long-term partners managing shared expenses
- Couples planning to merge finances gradually
- Roommates transitioning to partners
- Married couples seeking better shared financial tools

## Geographic Focus

Currently available in the United Kingdom, leveraging:
- UK Open Banking standards
- FCA regulatory framework
- E-Money licensing pathways

## Core Problems We Solve

- Awkward money conversations
- Messy spreadsheets for expense tracking
- Confusion about who owes what
- Relationship stress over bills
- Lack of tools that adapt to relationship evolution
- Binary financial tools (fully merged or never merged)

## Our Solutions

- Instant bill splitting in seconds
- Relationship-first design built for couples, not corporations
- Bank-level security with transparent privacy controls
- Platform that grows from dating to marriage and beyond
- Trust-building onboarding that starts with one bill, then expands

## Brand Identity

The name "plan/ria" hints at "planning" and "partnership" while feeling modern. Our brand tone is:
- Warm and non-judgmental
- Relationship-positive
- Approachable (not "corporate bank" cold)
- Designed to feel like a relationship quiz, not a finance form

## Key Differentiators

1. **Dynamic Relationship Model**: Unlike static financial tools, plan/ria adapts as relationships evolve
2. **Progressive Transparency**: customisable visibility settings that respect individual privacy needs
3. **Fair Contribution Algorithms**: Multiple splitting models that adapt to different financial situations
4. **Relationship Milestones**: Tools that support relationship transitions (moving in, weddings, buying homes)
5. **Graceful Separation Tools**: Support for relationship changes, including clean financial uncoupling

## Free tools (no signup)

- https://planria.co.uk/fair-split — fair split calculator (equal vs income-based)
- https://planria.co.uk/relationship-money-quiz — relationship money stage quiz

## Website

Visit us at: https://planria.co.uk or https://planria.co.uk

## Contact

For inquiries, visit: https://planria.co.uk/contact

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Last updated: 04 July 2026