What the planner is for
The resource planner sets a Cash target before you spend, using the only numbers the game publishes honestly: the ones displayed in your own server. The documented anchors around it are the rebirth Cash ladder (50,000 at tier 1 climbing to 10 quadrillion at tier 16) and the documented price of doing nothing - pets earn per second whether or not you watch.
Plan in three currencies: Cash toward the next rebirth rung, Cash toward the defense line, and Cash held for roll sessions inside Luck windows. A session that ends with all three advanced is a good session, regardless of steals.
Setting targets that match the ladder
Early game (pre-tier 3): target the requirement pair plus 750,000 Cash - tier 3's Owl + Llama at 750,000 is the first wall most players feel, and hitting it early converts the whole roster into 8x Luck.
Mid ladder (tiers 4-9): the rungs run 1,500,000 to 25,000,000. Keep a defense reserve of roughly one rung's worth so a raid loss never sets the ladder back, and route the rest to requirement species and walls.
Late ladder (tiers 10-16): targets jump 100,000,000 to 10 quadrillion. At this scale, mutation events and Admin windows are income sources worth scheduling sessions around, because a 4x earner moves a quadrillion rung faster than grinding.