Transform shifts into workforce stability.
Plannery is an AI-powered financial platform that helps healthcare professionals transform their shifts into clear financial progress—while helping organizations improve retention and lower staffing costs.
Book a demoI’m a clinician
Financial stress is a hidden driver of turnover.
75%
of healthcare professionals experience daily financial stress.¹
61%
of nurses reported managing financial hardship by using savings/emergency funds, delaying major purchases, and/or relying more on credit cards.²
5x
Financially stressed employees are nearly 5x more likely to say personal finance issues have been a distraction at work, and they report lower engagement and higher intent to leave.³
Built for healthcare professionals.
Plannery is designed around how your employees work,

get paid, and make financial decisions.
1. Build a financial profile

We build a comprehensive financial profile of the employee so we understand where they stand.
2. AI powered guidance

Provide customized and personalized guidance on the goals to focus on for their specific financial situation.
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3. Connect shifts to financial goals

Plannery connects employees’ shifts and pay to clear financial goals-showing how day-to-day work translates into real financial progress.

Connect advice to action.

Debt consolidation. Lower-interest options to pay down high-interest debt.
Learn more
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Consolidate expensive debt
Save an average of $7,175 in interest*
For qualified healthcare professionals, Plannery charges on average 23% less than other lenders
Direct pay to creditors
Plannery pays off your high interest and personal loan directly to debtors.
Pay from your paycheck
Enroll in direct deposit to simplify loan payments.
Save an average of $7,182 in interest*
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.
Learn more
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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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ShiftIQ. Track how your extra shifts speed up your progress.
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ShiftIQ
Shifts become progress
ShiftIQ connects every shift to a financial goal, so each shift becomes real progress not just hours worked
Worth picking up
When an extra shift visibly moves a payoff date or a savings goal closer, choosing to pick up an open shift becomes an easy yes
Momentum that holds
Effort tied to visible progress keeps clinicians engaged with their goals and shows up for the organization as stronger shift coverage and retention.
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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
Get a Plannery checking account without any fees and a branded debit card that flaunts your healthcare credentials
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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Your employees want Plannery.
67% more likely to stay with their employee if they offer financial wellness support.⁴
Over one-third of nurses were somewhat/very concerned about student loan debt, and nearly half said they lacked the information needed to take action.⁵
Nurses consistently report finances as a major concern—41% say family finances and debt are a top worry outside of work, and 19% said they were financially worse off than before COVID-19.⁶
Financial progress translates into ROI.
Turnover of healthcare professionals is strongly tied to burnout,

workload, staffing, and compensation.
PROBLEM
$61,110 average cost per bedside RN due to turnover with an estimated $3.9M–$5.7M annual loss per hospital.⁸
34% RNs who changed employers cited better pay/benefits as their primary reason, ahead of stress, staffing, management, and burnout.⁹
SOLUTION
76%
improvement in retention for employees using Plannery.⁷
See how much you can save on turnover costs.
How many employees do you have?
5,000 Employees
Partner testimonials:
We have had an exceptional experience with Plannery here at Phoebe Putney Health System. Employees have actively given positive feedback on the impact and engagement has surpassed our expectations. The platform is so intuitive and easy to use. Our IT department informed us that implementation was seamless. We’re thrilled to work together to build financial wellness among our community.
ANTHONY LEWIS
Chief Human Resources Officer at Phoebe Putney Health System
At UNC Health Lenoir, we are proud to provide the community with compassionate and quality care – but we can’t do that without our great team of employees. Employee well-being is critical to our success. That’s why we are offering Plannery as a new benefit in 2024. Plannery’s innovative solution helps our employees pay off student loans and credit card debt. This program empowers them to bring their best selves to work by accelerating debt repayment and increasing financial gains!
CINDY CRONKHITE
Executive Director of Human Resources at UNC Health Lenoir
Their rapid product launch, hands-on approach with our staff, and the overwhelming employee engagement truly make Plannery a must-have benefit for our employees.
EARNIE DUTY
Human Resources Director at King’s Daughters
Employee testimonials:
The process was super easy. Setup was simple
"I feel way less stressed about the interest | was going to have;
¡to pay. Plannery helped me find; a lower rate, and that made a big difference."
Julie F, RN
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
l actually bring home more money out of every paycheck
"Plannery made it so easy to pay off my bills and not worry about them. And the best part
is how simple it is. You just set it and forget it."
Aizel, Nurse Supervisor
Contact us
Our team would love to talk to you!
Schedule a meeting
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eSign Agreement
Plannery Lending DisclosureⓁ
‍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 $1,050 to $21,000, with repayment terms from 12 to 60 months. Annual Percentage Rates (APRs) range from 13.13% to 30.61%, as of June 15, 2026, based on creditworthiness and other factors. State minimum lending laws may apply. Loan minimums vary by state. Applications are for loans offered, made by, decisioned and owned by FinWise Bank, a Utah chartered bank.
Equifax Optimal Path DisclosureⒸ
‍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.
Time and Money Saved for individual customerⓈ
‍Estimated savings are based on a comparison of customers existing obligations and assumes acceptance of their Plannery loan offer, along with consistent, on-time payments. Savings are not guaranteed and may vary based on individual repayment behavior.
Customer TestimonialsⓉ
‍Testimonials are provided by real customers. No compensation or incentives were given in exchange for their feedback.
Average time and money saved with PlanneryⒶ
‍Averages based on Plannery loan offers for all loans funded since May 2024-June 15, 2026, calculated against each borrower's existing debts paid at minimum payments. Faster payoff and lower monthly payment are alternative outcomes; the average payment reduction of $141.77 amonth applies to the 57% who lowered their payment. Individual results vary.
Below Marketing RatesⓂ
‍Healthcare workers who qualify with Plannery get an APR about 22% lower than the market average, roughly 5.4 percentage points
Average based on Plannery quoted APRs for applicants since Q3 2025-June 2026  who received an offer, compared with LendingTree average all-offer APRs by credit tier (Q4 2025 marketplace data). APR includes interest and fees. Savings depend on credit profile and terms. Not all applicants qualify
Plannery as an employee benefitⒺ
‍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.
Time to see offerⓆ
‍Based on Plannery web applications completed in a single session from April 2025 to June 2026 who reached an offer. The median time from selecting goals to viewing a loan offer was approximately 3.2 minutes, with about 78% viewing their offer within 5 minutes.
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WHERE AVAILABLE
Designed for real work and lifestyle
Save an average of $8000 in interest cost*
Save an average of $8000 in interest cost*
You could qualify for interest rates that are up to half of what other lenders charge.*
Save an average of $8000 in interest cost*
Fee-free checking

Streamlined, fee‑free banking helps employees manage cash flow predictably, reducing money stress between paychecks.
Save an average of $8000 in interest cost*
Early pay

Paychecks arrive up to two days early, offering flexibility that can prevent absenteeism or turnover caused by financial pressure.
Save an average of $8000 in interest cost*
High-yield savings

A connected savings account with high‑yield returns builds long‑term security, encouraging financial confidence.
Sources
¹ Nursegrid 2024 Survey
² American Nurses Foundation. (2023, January 24). Three-year annual assessment survey: Nurses need increased support from their employer [Report]. ANA Enterprise.
³ PricewaterhouseCoopers LLP. (2023, January). PwC’s 2023 Employee Financial Wellness Survey.
⁴ Plannery Survey of Healthcare Professionals, 2023
⁵ American Nurses Foundation. (2023, January 24). Three-year annual assessment survey: Nurses need increased support from their employer [Report]. ANA Enterprise.
⁶ American Nurses Foundation. (2021, March 10). American Nurses Foundation releases comprehensive survey about nurses. American Nurses Association.
⁷ Customer data.
⁸ NSI Nursing Solutions, Inc. (2025). NSI National Health Care Retention & RN Staffing Report (PDF).
⁹ C., Kim, S., McCollum, M., & Tran, A. (2023, June). Understanding registered nurse turnover in the U.S.: New insights for a recurring problem (Research brief). Carolina Health Workforce Research Center, Cecil G. Sheps Center for Health Services Research, University of North Carolina at Chapel Hill.