This is your step-by-step guide to creating, reviewing, and acting on your financial MyPlan
Piere’s MyPlan helps you organize your money, stay in control, and build long-term financial stability. It looks at your real financial picture including your accounts, paycheck timing, spending, and balances to create simple, personalized Moves that tell you what to do next.
Whether you prefer to handle your money manually or want Piere to automate some or all of it, MyPlan and Moves work together to make managing your finances easier.
What is MyPlan? #
MyPlan is your personalized financial strategy in Piere. It helps answer:
- How much should I keep in checking?
- When should I move money to savings?
- Am I on track paying down debt?
- How can I save consistently without overthinking it?
MyPlan does this by creating Moves (money transfer rules) that outline exactly what you should do. Nothing ever happens without your review and approval.
Types of Plans #
Piere supports two types of plans:
1. AI-Generated Plans #
Automatically created based on your financial data. These recommend the most impactful actions like redirecting paycheck money, improving liquidity, or paying down debt efficiently.
2. Manual Plans (New!) #
You can now create your own plan from scratch.
Manual Plans are great if you already know what you want to do. For example:
- Save $300 every pay day
- Sweep the extra money from checking to savings any time your checking account has more than $5,000 in it
- Maintain a minimum checking account balance of $1,000 so you aren’t charged maintenance fees
These work the same way as AI plans but give you full creative control.
How MyPlan Is Organized #
MyPlan is broken down into three parts (Plans/Steps/Moves):
Plans #
Your Plans live on the MyPlan tab. You can have multiple plans—for liquidity, savings, debt payoff, paycheck routing, or goals you create yourself.
Each plan explains:
- What the plan is trying to accomplish (e.g. Become debt-free in 14 months)
- What Steps are needed to reach the goal (e.g. Pay off your Auto Loan & Pay off your Visa Signature Credit Card)
- What Moves are recommended to complete each step of the plan (e.g. Move $300 each pay day to pay off your Auto Loan & Move $1,200 one-time from savings to pay off your Visa Signature Credit Card)
Steps #
Each Plan is made up of Steps. These are the major components of your strategy.
Examples:
- “Maintain a checking buffer”
- “Build your emergency fund”
- “Pay off your credit card debt”
Moves #
Moves turn each Step into actionable instructions.
A Move says:
- How much money should move
- When it should move
- Which accounts are involved
- Whether it repeats
How your plan becomes real #
When you create or approve a Move, those instructions are used to create a schedule of money transfers which are also called Moves.
These individual transfers live in the dedicated Moves tab, where you can:
- See upcoming transfers
- Review Moves that require attention
- Complete Moves manually
- Move money now
- Track Moves in motion (processing transfers)
- View your full history
Important: #
You stay fully in control.
Nothing moves automatically unless you’ve turned on AutoMove for a specific Move.
AutoMove vs. Manual Moves #
Manual Moves (Default for everyone) #
You’ll receive a notification when it’s time to complete a Move.
You can tap Move Now to complete it through Piere, or Mark Complete if you did it yourself externally.
AutoMove (Optional for Plus users with verified accounts) #
If you turn on AutoMove, Piere will automatically execute that Move as long as:
- You meet your Move Safely settings
- You have been verified through KYC
- The amount does not exceed $1,000 (This is a limit imposed by our ACH partner)
- The accounts involved in the transfer are either checking or savings accounts (support for transfers between more account types is coming soon!)
You can turn AutoMove on or off for each Move individually.
Move Safely: Built-in protection #
Every Move includes safety checks to make sure a transfer doesn’t leave you short.
Move Safely:
- Monitors your account balances
- Alerts you in advance when a Move is coming
- Pauses a Move automatically if your balance is too low
- Prevents overdrafts or stress from unexpected transfers
You’ll always know exactly when a Move is planned, and you’ll never be surprised.
Approving Moves #
You control what becomes part of your plan. AI generated Moves will require your approval whereas manually created moves are automatically approved when you create them.
To approve a Move: #
- Go to the MyPlan tab
- Tap the tile of the plan you want to review
- Select a Move
- Review the Move
- Tap Approve Move
To delete a Move: #
- Go to the MyPlan tab
- Tap the tile of the plan you want to review
- Select a Move
- Review the Move
- Tap the Red X icon to the right of Approve Move
Deleted Moves disappear from your plan and don’t create any transfers.
If you ever need help, you can reach out to us via the Contact the Team page in the settings of the mobile app or email us at contact@piere.com