diff --git a/packages/utilities/src/config.ts b/packages/utilities/src/config.ts
new file mode 100644
index 0000000..27a8e57
--- /dev/null
+++ b/packages/utilities/src/config.ts
@@ -0,0 +1,57 @@
+export enum UserEntitlement {
+  Saver = 'saver',
+  Growth = 'growth',
+  Wealth = 'wealth',
+}
+
+export type PlanConfig = {
+  maxTransactions: number
+  maxBudgets: number
+  maxWallets: number
+  canCreateCategories: boolean
+  maxAiTransactionPerDay: number
+  maxJoinableBudgets: number
+  maxOwnedBudgets: number
+  transactionRetentionDays: number
+}
+
+/** Follows [[RFC] Monetization #132](https://github.com/get6pm/6pm/issues/132). */
+export const PLAN_CONFIG: Record<UserEntitlement, PlanConfig> = {
+  saver: {
+    maxTransactions: Infinity,
+    maxBudgets: 3,
+    maxWallets: 3,
+    canCreateCategories: false,
+    maxAiTransactionPerDay: 2,
+    maxJoinableBudgets: Infinity,
+    maxOwnedBudgets: 1,
+    transactionRetentionDays: 60,
+  },
+  growth: {
+    maxTransactions: Infinity,
+    maxBudgets: 6,
+    maxWallets: 6,
+    canCreateCategories: true,
+    maxAiTransactionPerDay: 10,
+    maxJoinableBudgets: Infinity,
+    maxOwnedBudgets: 5,
+    transactionRetentionDays: 180,
+  },
+  wealth: {
+    maxTransactions: Infinity,
+    maxBudgets: Infinity,
+    maxWallets: Infinity,
+    canCreateCategories: true,
+    maxAiTransactionPerDay: 25,
+    maxJoinableBudgets: Infinity,
+    maxOwnedBudgets: Infinity,
+    transactionRetentionDays: Infinity,
+  },
+}
+
+export function getPlanConfig<
+  P extends UserEntitlement,
+  K extends keyof PlanConfig,
+>(plan: P, key: K): PlanConfig[K] | null {
+  return PLAN_CONFIG[plan][key] ?? null
+}
diff --git a/packages/utilities/src/index.ts b/packages/utilities/src/index.ts
index 7ad1509..35c04e1 100644
--- a/packages/utilities/src/index.ts
+++ b/packages/utilities/src/index.ts
@@ -1,3 +1,4 @@
 export * from './date/dayjs'
 export * from './date/period'
 export * from './transactions'
+export * from './config'