But unlike most wedding planners, Joy works free of charge — because she’s an app. Co-founders Vishal Joshi, Michael Bach, and Kaiwalya Kher began Joy as a side project back in 2013.

Benzinga tested Empower’s free Retirement Planner tool—see how it models early retirement, college costs, and recession shocks to keep your plan on track.

Benzinga takes a hands-on look at the free Empower Budgeting & Cash-Flow Planner—see how it tracks spending, forecasts cash flow, and keeps long-term goals in focus.

I’ve used Todoist’s free Beginner plan as my own personal digital planner for many years, and I recommend it for an excellent balance of simplicity, functionality, and cost.

The best planner is the Hobonichi Techo, ... JSTORY Large Personal Wide Spaces Weekly Planner 28 Sheets Pink. $12 Layout: Weekly | Size: 7.2 by 10.1 inches | Cover: Softcover.