What is the best financial coaching software for a solo money coach?

For a solo money coach, the best financial coaching software covers the work between sessions as well as the admin. Coachful puts money goals with progress bars, spending and saving habits with streaks, budget worksheets, multi-week programs, booking, agreements and payment plans in one subscription, with a branded client app on iPhone and Android. Plans are a flat monthly price with a 0% platform fee on what you sell.

Can financial coaching software connect to my clients’ bank accounts?

Coachful does not connect to bank accounts, pull in transactions or aggregate accounts. Clients share the numbers they choose through worksheets, using number fields and fillable tables, and those answers sit on their client record next to your notes. Some money coaches prefer it that way, because the client does the noticing and the writing down. If a client wants live bank feeds, they can keep the budgeting app they already use.

Is Coachful suitable for financial advisers or financial planners?

Coachful is built for coaching, not for regulated financial advice. It has no portfolio tracking, financial planning calculations, investment tools or tax features. Financial and money coaches use it for the behaviour side of the work: goals, habits, check-ins, worksheets and programs. If you are a licensed adviser, you can still run a coaching offer on Coachful, but keep your advice records in the systems your regulator expects.

How do I run a debt payoff program online?

Build it as a multi-week program in Coachful. Each week gets a theme, weekly goals and daily tasks, such as listing every debt in week 1 and making the first extra payment in week 4. Add habits like a no-spend day four times a week. Every enrolment gets its own copy, so you can slow one client down without changing the program for anyone else, and each client starts on their own date.

Can clients fill in a budget worksheet inside the app?

Yes. Coachful forms and worksheets support number fields, 1 to 10 scales, long answers, file uploads and fillable tables where the client adds their own rows, such as one row per debt or spending category. You can attach a worksheet to a session as required prep, so the spending plan arrives before the call. The answers are stored on the client record; Coachful does not calculate a budget from them.

How should I sell financial coaching packages and payment plans?

Money coaches usually sell a fixed-length package, such as a three-month money reset, or a monthly accountability retainer. In Coachful, a one-time package can offer a payment plan beside pay in full, and a retainer runs as a subscription. Clients pay through your own Stripe or Razorpay account, with Apple Pay and Google Pay at checkout, every payment gets an invoice, and Coachful charges a 0% platform fee.

Can I run group financial coaching or a money cohort?

Yes. Run your program as a group and Coachful creates a cohort group when clients enrol, with a community feed, group chat and group calls on built-in video. Each member still has their own record with goals, habits, check-ins and worksheets, so nobody’s numbers are posted to the group. You can cap the number of seats, which suits a cohort that starts on a set date.

Is there a free trial of Coachful for financial coaches?

Yes. Coachful has a 7-day free trial. A card is required at signup, there is no charge during the trial, and you can cancel in one click. That is enough time to build your first money program, set up a budget worksheet and try it from the client side. If you leave later, the full client record exports as a ZIP, including notes, check-ins, goals, habits, sessions and form responses.

For financial coaches

Financial coaching software that keeps the budget alive after the call.

Coachful is financial coaching software for the work between sessions: money goals with progress, spending and saving habits with daily check-ins, budget worksheets, multi-week programs and packages with payment plans, in a branded app your clients open on their phone.

4.7 on Trustpilot

7-day free trial. 0% platform fee on everything you sell.

Priya · week 3 of 12

Debt-free by December

19 day streak

58%progress

Featured goal

Pay off the $4,800 store card

Target 1 Dec · reflection added Sunday

First $1,000 paidHalfwayCard closed

This week’s habits

MTWTFSS

No-spend day

4 a week

Log every purchase

Daily

Move $20 to savings

Fridays

How did money feel today?

Evening check-in

12345678910

Spending plan submitted

Required before Thursday’s call

Briefing ready for Thursday

Coach Dana

Four no-spend days already. Bring the plan Thursday.

The honest truth

Your client leaves the call with a plan, then the card comes back out.

Money habits change at the checkout on a Tuesday afternoon, not in your Thursday session. A spreadsheet they opened once cannot catch that moment, and neither can a monthly call.

Before

The old way

A budget spreadsheet emailed back and forth, three versions deep
You hear about the overspend at the next session, two weeks later
Calendly for calls, Stripe links for packages, Google Forms for intake
Money worries arrive by text at 10pm because there is nowhere else to put them

With Coachful

The new way

One spending plan per client, filled in on their phone before each call
Spending and saving habits ticked daily, so a slipped week shows while it is still this week
Booking, agreements, packages and payment plans in the same place as the coaching
Messages, check-ins and notes on one client record you open before the call

How it works

Money habits keep moving between your calls.

Clients watch their money goals move every week

Each client gets goals in their own words, such as paying off the store card or three months of rent in savings, each with a progress bar, a target date and milestones. A weekly reflection sits on the goal itself, so your next session starts from what changed instead of from memory.

Priya · money goals

3 active

Pay off the $4,800 store card

58%

by 1 Dec

Three months of rent in savings

31%

by 30 Jun

A budget that holds for a full month

75%

by 31 Mar

Weekly reflection · on the store card goal

“Paid $350 this week. Skipped the Friday takeaway and honestly did not miss it.”

The amounts live in the goal’s wording. The bar is the progress you agree on.

Spending and saving habits get ticked every day

Money behaviour changes in small daily moves: a no-spend day, logging every purchase, moving $20 to savings on payday. Build each one as a habit with its own schedule, reminder and target count, then add morning and evening check-ins so clients notice how money felt today, as well as what it cost.

New habit

Assigned to Priya

Name

No-spend day

How often

DailyDays of the weekTimes a week · 4Monthly

Reminder

8:00 PM

Target

30 times

No-spend day · three weeks in

12 / 30

Morning check-in done

Evening, 9:00 PM

The spending plan arrives before the call

Build your budget worksheet, debt list and money-history intake as forms. A worksheet can mix number fields, 1 to 10 scales, long answers and a fillable table where the client adds a row per debt or spending category. Attach it to a session as required prep and the answers are on the client record before you join.

Spending plan · March

Required before Thu

CategoryPlannedSpent

Rent$1,250$1,250

Groceries$420$465

Transport$160$138

Eating out$120$210

Add a row

How much went to debt this month?

$350

How in control of money did you feel?

12345678910

Numbers the client types in. Nothing is pulled from a bank.

Your money method runs for every client from their own start date

Turn your debt payoff or first-budget method into a multi-week program with weekly themes, goals, daily tasks and habits. Each enrolment gets its own copy, so you can slow week three down for one client without touching anyone else. Run the same program as a group and Coachful creates a cohort group with a feed and chat when clients enrol.

Debt-free program

12 weeks

List debts

Spend plan

Payoff order

Extra payment

Cut a bill

Buffer fund

Week 3 theme

Pick your payoff order

Rank every debt by balance and rate

This week

Call one lender about the rate

Anytime

Session: choose snowball or avalanche

Thu 2:00 PM

Same program, two runs

Priya1:1Week 3

Spring cohort · 14GroupWeek 1

On their phone

Their money plan sits on the phone they already carry.

Goals and habits live in the Coachful app on iPhone and Android, with your branding, and in any browser. Clients check in where the spending actually happens.

The goal on one screen

Progress ring, deadline and milestones, with a button for this week’s reflection.

Habits with their own reminder

Each habit shows its count toward the target, so 12 of 30 no-spend days is visible at a glance.

The Coachful client app on a phone: a goal detail page with a morning routine goal at 65% on a circular progress ring, its deadline, a weekly reflection button and a milestones section

The Coachful client app on a phone: the Growing Habits view with Active and Completed tabs and three habit cards showing circular progress of 12, 8 and 5 out of 30, each with a daily reminder

iPhone, Android and the web

One sign-in for your client, with your logo and colours inside the Coachful app.

You, one tap away

Direct chat with you, plus the cohort feed and group chat when they join a group program.

Captured from the live product with demo data. Your goals and habits carry your own wording.

In plain terms

Coachful is a coaching platform for financial and money coaches who work on goals, habits and budgets with their clients.

It covers money goals, spending and saving habits, check-ins, budget worksheets, multi-week programs, booking, agreements, packages with payment plans, cohorts and a branded client app, and it is built for coaching rather than regulated financial advice.

Tracks money goals with progress bars, target dates, milestones and weekly reflections.
Runs spending and saving habits with schedules, reminders, streaks and target counts.
Sends morning and evening check-ins in the coach’s own wording.
Collects budgets and debt lists in worksheets with number fields, scales and fillable tables.
Delivers multi-week programs one to one or as cohorts, with a feed, group chat and group calls.
Sells packages through Stripe or Razorpay as one-time payments, subscriptions or payment plans, with a 0% platform fee.
Sends coaching agreements for e-signature before the first session.
Keeps private coach notes apart from the notes a client can see.
Exports the full client record as a ZIP.

Coaching packages Coaching tracker Payments and payment plans Coaching agreements Plans

Where Coachful starts and stops

Inside your Coachful practice

Money goalsSpending and saving habitsBudget worksheetsPrograms and cohortsPackages and payment plansPrivate notes

Outside Coachful

It does not connect to bank accounts or pull in transactions.
It does not calculate budgets, net worth or financial plans. Worksheets hold the numbers the client enters.
It is not software for regulated financial advice, investment management or tax filing.

If a client wants live bank feeds, they keep their budgeting app. The coaching, the plan and the habits live here.

The real thing

Sell the reset, the retainer and the one-off budget review.

Every package sits on one Offers page with its cover, its price and how it is paid, live or in draft, ready to edit or send to a client.

app.coachful.co/coach

The Coachful Offers page on desktop: three live offer cards with cover photos, In My Corner at $399 a month, 90-Day Transformation at $1,497 one-time and Strategy Hour at one-time, plus a draft offer called The Reset, each with Edit and Send buttons

The Offers tab, captured from the live product with demo data.

Around the money work

Paid, signed and prepared before the session starts.

Payment plans, agreements, cohorts and the briefing come with your plan. There is nothing extra to buy.

Payment plans

A bigger package,
paid in three.

Offer pay in full or a payment plan on the same package. Payments go to your own Stripe or Razorpay account and show on the client record.

Money Reset · 3 months

Sessions, the program and every worksheet

Pay in full

$900

3 payments

$300 / month

1 MarPayment 1 of 3Paid

1 AprPayment 2 of 3Paid

1 MayPayment 3 of 3Scheduled

Platform fee on what you sell0%

Kept private

They see the summary. Your notes stay yours.

Money conversations get personal. Your private notes are kept apart from the summary and the notes you choose to share.

Session summaryVisible

Action itemsVisible

Notes you chose to shareVisible

Never sent to the client

Your private session notes

Coach feedback on the call

A small group working together around a table with laptops

Spring debt-free cohort

14/20

Cohorts

Money cohorts that keep each other honest.

Run the program as a group with a feed, group chat and group calls. Each member’s numbers stay on their own record.

Scope agreed before the first call

Send your coaching agreement for e-signature, in your own wording, so the client knows what coaching covers.

Coaching agreement

Coaching only, not financial, tax or investment advice.

Signed by Priya · 2 Mar

A briefing before every call

Michelle, the AI assistant, sums up the client’s week from their record before you meet.

Briefing · Priya

Spending plan submitted Tuesday

No-spend days: 4 so far this week

Store card goal at 58%

Last time: agreed one extra payment

The full list

One subscription covers the whole money practice.

Every line below is in the product today. None of it touches a bank account.

Clients watch their money goals move every week

Goals with progress bars, target dates and milestones
Weekly reflections written on the goal
Goals set by you, by the client or by a program
A featured goal on the client’s home screen
Every update visible on the client record before the call

Real coaches

Coaches who stopped paying for five separate tools.

“Like every business owner, I was paying for 5+ platforms and it still wasn't what I really wanted. Coachful has everything in one place. I already saved $1,300 cancelling everything I had duct-taped together. And I only have one login.”

Emily Fulcher

Founder, AilikiFIT

“Coachful brings scheduling, payments, client communication, programs, habit tracking and accountability together. Instead of managing several different apps, everything feels more organized and professional — for the coach and the client.”

Margie Wilson

Wounded to Warrior Recovery Coaching

“This really is an amazing tool. I've been a full-time coach for seven years, and this is the first coaching tool that has everything I have wanted — the most comprehensive I have used. Support is also incredible.”

James Wallace

Founder, Fountainhead Coaching

Excellent4.7 out of 5 · 30 reviews on Trustpilot

In plain terms

Coachful is a coaching platform.

One platform, every part connected

Clients
Sessions
Payments
Programs
Habits
Community
Website
Email
AI assistant

Plans

Lite$29/moSolo$49/moPro$99/moStudio$199/mo

7-day free trial · 0% platform fee

What it does

Runs multi-week programmes with weekly goals, daily tasks, habits and morning and evening check-ins.
Books sessions from availability rules with two-way Google, Apple and Outlook calendar sync, built-in video or Zoom, Meet and Teams links, and email, SMS and WhatsApp reminders.
Takes payment through Stripe Connect or Razorpay: one-time, subscriptions, payment plans, Apple Pay and Google Pay, with invoices.
Sends coaching agreements for e-signature before the first call and stores them on the client record.
Hosts courses, downloads, digital products, a community feed with group chat, and cohort groups created on enrolment.
Builds a section-based website with blog, custom domain, funnels, email sequences and pixels.
Counts completed coaching hours and distinct clients against the ICF ACC, PCC and MCC thresholds, and exports an ICF client coaching log with paid and pro bono hours.
Adds a Fitness & Nutrition pack for training clients: a workout builder with an exercise library (supersets, circuits, AMRAP, EMOM and intervals), client workout logging with set history, nutrition targets up to calories and macros, meal plans, recipes, food lookup, and private progress photos and measurements.
Exports all client data as a ZIP: roster, notes, check-ins, goals, habits, sessions and form responses.

Good to know

It is not HIPAA-certified. It is GDPR-ready with full data export.
The client app carries your branding but ships under the Coachful listing, not your own App Store account.

“Coachful is a very helpful platform for coaches who want everything in one place.”

Margie Wilsonon Trustpilot

Meet Coachful

Your Whole Practice, in 30 Seconds

Clients, sessions, programs, chat and payments in one calm workspace that carries your brand.

Go deeper

Financial coaching questions, answered

What financial and money coaches ask us before they sign up.

For money coaches

A money plan your clients
actually open.

Build your first money program this week. 7-day free trial, card required, no charge during the trial, cancel in one click.

Built for coaches who take their clients seriously

Financial coaching software that keeps the budget alive after the call.

Your client leaves the call with a plan, then the card comes back out.

The old way

The new way

Money habits keep moving between your calls.

Clients watch their money goals move every week

Spending and saving habits get ticked every day

The spending plan arrives before the call

Your money method runs for every client from their own start date

Their money plan sits on the phone they already carry.

The goal on one screen

Habits with their own reminder

iPhone, Android and the web

You, one tap away

Coachful is a coaching platform for financial and money coaches who work on goals, habits and budgets with their clients.

Sell the reset, the retainer and the one-off budget review.

Paid, signed and prepared before the session starts.

A bigger package,paid in three.

They see the summary. Your notes stay yours.

Money cohorts that keep each other honest.

Scope agreed before the first call

A briefing before every call

One subscription covers the whole money practice.

Clients watch their money goals move every week

Spending and saving habits get ticked every day

The spending plan arrives before the call

Your money method runs for every client from their own start date

Clients pay for the package in the way that suits them

You walk into every call knowing where the client stands

Coaches who stopped paying for five separate tools.

Coachful is a coaching platform.

What it does

Good to know

Your Whole Practice, in 30 Seconds

Everything around the money work

Coaching packages

Coaching payments

Forms and worksheets

Group coaching

Financial coaching questions, answered

A money plan your clientsactually open.

A bigger package,
paid in three.

A money plan your clients
actually open.