Connecting shifts to financial progress.

Personalized AI powered guidance that helps you turn your work and pay into real progress toward your financial goals.
What’s your financial goal?

Plannery is an employee benefit at

Phoebe Putney

You work hard caring for others. Now it’s time to take care of your finances.

Plannery uses secure, AI-powered guidance to help you connect your work and pay with your financial goals.

How Plannery Works

See where you stand
Get a clear picture of your finances based on your real life in real time.
Get personalized advice with AI
Personalized, AI-powered guidance that helps you focus on your next best steps—whether that’s building savings, improving credit, or paying down debt.
Turn guidance into action
Whether its paying down debt or improving your credit score, we help turn guidance into instant action.

Designed for healthcare professionals.

Debt guidance. Lower-interest options to pay down high-interest debt.
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Personal debt guidance
Save an average of $8000 in interest cost*
You could qualify for interest rates that are up to half of what other lenders charge.*
Direct pay to debtors
Plannery pays off your high interest and personal loan directly to creditors.
Direct deposit from payroll
Enroll in direct deposit to simplify loan payments.
Student loan help. Clear steps for government programs you may qualify for.
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Student loan help
Free personalized advice
See which government programs you could qualify for to reduce monthly payments and get loan forgiveness.
Step‑by‑step guidance
Clear instructions simplify a complex process, helping workers stay proactive instead of overwhelmed.
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Credit-building tips. Personalized actions to help improve your score.
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Credit building tips
Credit insights
Personalized insights on what is impacting credit score.
Personalized action plan
Personalized steps guide them toward improving their score.
Progress tracking 

Track progress towards your goal and see credit score improve over time.
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WHERE AVAILABLE
ShiftIQ. Track how your extra shifts speed up your progress.
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WHERE AVAILABLE
ShiftIQ
Shift momentum
Employees feel rewarded as they see every extra shift accelerate their financial goals.
Main point
Tracking how extra hours translate into tangible outcomes boosts engagement and accountability.
Rewards mindset
When effort connects directly to progress, filling shifts becomes a positive and motivating choice, not a burden.
COMING SOON
Fee-free checking, early pay, high-yield savings, and a credit card designed for your work and lifestyle.
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COMING SOON
Designed for real work and lifestyle
Fee-free checking
Save an average of $8000 in interest cost*
You could qualify for interest rates that are up to half of what other lenders charge.*
Early pay
Paychecks arrive up to two days early, offering flexibility that can prevent absenteeism or turnover caused by financial pressure.
High-yield savings

A connected savings account with high‑yield returns builds long‑term security, encouraging financial confidence.
Credit card
Access to responsible credit tools supports healthier financial habits and reduces the reliance on high‑interest debt.
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Customers

Plannery.

Increased credit score 
by 110 points
“After the COVID-19 pandemic, I found myself shouldering some significant credit card debt. Then I came across Plannery: it has been life changing.”
Jason, PA-C
Monthly payments dropped from
 $1,500 to $300
“Not only has it helped me pay off my debt and save money, but it makes everything simple with one easy payment — no stress, no hassle.”
Brittany, RN
Eliminated debt
 45 months faster
“[B]ecause of this financial relief, I feel much more secure and less stressed about my finances. It definitely makes me more likely to stay here long-term.”
Jahira, BSN, RN

Secure, accurate, and trustworthy.

Plannery is provided through your employer via HealthStream. Connecting your
financial information is what lets our AI give you accurate, trustworthy insights—
always private, always secure.

Make progress today.

What’s your financial goal?
Need Help? Contact us Here
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eSign Agreement
Testimonials are provided by real customers. No compensation or incentives were given in exchange for their feedback.

The credit score shown is your Equifax VantageScore® 3.0, provided solely by Equifax. It is not a score from any other credit bureau and may differ from scores used by lenders. Any projected score changes or recommendations are based on Equifax modeling. Actual results may vary, as your credit score is influenced by many factors that can change over time. This feature is intended to serve as a guidance tool only, not a guarantee or final determination of your credit standing.

Savings estimate based on analysis of closed Plannery loans originated via the Nursegrid app. We compared the APR, term, and payment of customers’ existing debt (from credit bureau and lender data) to their new Plannery loan. ‘Over $8,000 in interest savings’ and ‘80 months shorter’ reflect average reductions across funded customers. When applicable, comparisons to personal loan alternatives use industry APRs by credit tier from Q1 2025 LendingTree data. Individual results may vary.

Based on Q1 2025 LendingTree data for personal loans by credit band. Comparison reflects Plannery’s lowest offered APR by credit tiers versus average APRs on LendingTree’s platform for similar tiers. Actual rates vary by applicant profile and are not guaranteed.
PLANNERY PERSONAL LOAN DISCLOSURES:
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For employees at a partner employer:
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Plannery is an optional program, not a recommendation from your employer. Your employer gets no financial benefit from employees applying for or being approved for Plannery.

For all prospective users of Plannery's lending product:

Not all applicants will qualify. Loans are subject to approval and verification of credit and employment information. Rates and terms are subject to change without notice. Loan amounts range from $1,000 to $20,000, with repayment terms from 12 to 60 months. Annual Percentage Rates (APRs) range from 12% to 31%, based on creditworthiness and other factors. State minimum lending laws may apply. Loan minimums vary by state.

Plannery is not a bank. Plannery is a financial technology company. Loans subject to approval and standard underwriting criteria. Applications are for loans offered, made by, decisioned and owned by FinWise Bank, a Utah chartered bank. Terms and conditions are subject to change without prior disclosure or notice.