diff --git a/frontend/src/__tests__/plans.test.ts b/frontend/src/__tests__/plans.test.ts
index 4fe55a242..46eb8e880 100644
--- a/frontend/src/__tests__/plans.test.ts
+++ b/frontend/src/__tests__/plans.test.ts
@@ -327,6 +327,40 @@ describe('Plans Module', () => {
       }
     });
 
+    test('passes account_ids to api.getPlans when account filter is active (issue #705)', async () => {
+      // Regression test for the Account global filter being non-functional
+      // on the Plans page. loadPlans must forward the account selection to
+      // api.getPlans so the backend can JOIN plan_accounts and prune the list.
+      const state = await import('../state');
+      const accountID = 'aaaaaaaa-aaaa-aaaa-aaaa-aaaaaaaaaaaa';
+      (state.getCurrentAccountIDs as jest.Mock).mockReturnValue([accountID]);
+
+      (api.getPlans as jest.Mock).mockResolvedValue({ plans: [] });
+      (api.getPlannedPurchases as jest.Mock).mockResolvedValue({ purchases: [] });
+
+      try {
+        await loadPlans();
+
+        expect(api.getPlans).toHaveBeenCalledWith({ account_ids: [accountID] });
+      } finally {
+        (state.getCurrentAccountIDs as jest.Mock).mockReturnValue([]);
+      }
+    });
+
+    test('calls api.getPlans with empty object when no account is selected', async () => {
+      // When no account chip is active, getPlans receives {} so the backend
+      // returns all plans (no account_ids filter applied).
+      const state = await import('../state');
+      (state.getCurrentAccountIDs as jest.Mock).mockReturnValue([]);
+
+      (api.getPlans as jest.Mock).mockResolvedValue({ plans: [] });
+      (api.getPlannedPurchases as jest.Mock).mockResolvedValue({ purchases: [] });
+
+      await loadPlans();
+
+      expect(api.getPlans).toHaveBeenCalledWith({});
+    });
+
     test('shows error on API failure', async () => {
       (api.getPlans as jest.Mock).mockRejectedValue(new Error('API Error'));
       (api.getPlannedPurchases as jest.Mock).mockResolvedValue({ purchases: [] });
diff --git a/frontend/src/api/plans.ts b/frontend/src/api/plans.ts
index 23f35a5ae..44d57fafe 100644
--- a/frontend/src/api/plans.ts
+++ b/frontend/src/api/plans.ts
@@ -3,13 +3,23 @@
  */
 
 import { apiRequest } from './client';
-import type { Plan, CreatePlanRequest } from './types';
+import type { Plan, CreatePlanRequest, PlanFilters } from './types';
 
 /**
- * Get purchase plans
+ * Get purchase plans, optionally filtered by account IDs.
+ *
+ * When filters.account_ids is non-empty the backend returns only plans
+ * that reference at least one of those accounts via the plan_accounts
+ * join table. Mirrors the account_ids filtering pattern in
+ * getRecommendations (see recommendations.ts).
  */
-export async function getPlans(): Promise<Plan[]> {
-  return apiRequest<Plan[]>('/plans');
+export async function getPlans(filters: PlanFilters = {}): Promise<Plan[]> {
+  const params = new URLSearchParams();
+  if (filters.account_ids && filters.account_ids.length > 0) {
+    params.set('account_ids', filters.account_ids.join(','));
+  }
+  const queryString = params.toString();
+  return apiRequest<Plan[]>(`/plans${queryString ? '?' + queryString : ''}`);
 }
 
 /**
diff --git a/frontend/src/api/types.ts b/frontend/src/api/types.ts
index 9c92c8dae..10c1ac8e0 100644
--- a/frontend/src/api/types.ts
+++ b/frontend/src/api/types.ts
@@ -132,6 +132,11 @@ export interface RecommendationFilters {
   account_ids?: string[];
 }
 
+// PlanFilters are the query parameters accepted by the GET /api/plans endpoint.
+export interface PlanFilters {
+  account_ids?: string[];
+}
+
 // Plan types
 export interface PlanRampSchedule {
   type: string;
diff --git a/frontend/src/plans.ts b/frontend/src/plans.ts
index e8c40e9c1..220706a94 100644
--- a/frontend/src/plans.ts
+++ b/frontend/src/plans.ts
@@ -46,7 +46,15 @@ export async function loadPlans(): Promise<void> {
   if (newPlanBtn) newPlanBtn.hidden = !canAccess('create', 'plans');
 
   try {
-    const data = await api.getPlans() as unknown as PlansResponse;
+    // Account filter: pass account_ids to the backend so it JOINs
+    // plan_accounts and returns only plans that reference one of the
+    // selected accounts. Empty array means "all plans" — the backend
+    // omits the JOIN entirely in that case. Mirrors the pattern used by
+    // getRecommendations (see recommendations.ts, issue #705).
+    const accountIDs = state.getCurrentAccountIDs();
+    const data = await api.getPlans(
+      accountIDs.length > 0 ? { account_ids: accountIDs } : {}
+    ) as unknown as PlansResponse;
     let plans = data.plans || [];
 
     // Client-side provider filter. Backend `config.PurchasePlan` has no
diff --git a/internal/analytics/collector_test.go b/internal/analytics/collector_test.go
index ce12bd0a1..10d6082dd 100644
--- a/internal/analytics/collector_test.go
+++ b/internal/analytics/collector_test.go
@@ -153,7 +153,7 @@ func (m *mockConfigStore) DeletePurchasePlan(ctx context.Context, planID string)
 	return nil
 }
 
-func (m *mockConfigStore) ListPurchasePlans(ctx context.Context) ([]config.PurchasePlan, error) {
+func (m *mockConfigStore) ListPurchasePlans(ctx context.Context, filter config.PurchasePlanFilter) ([]config.PurchasePlan, error) {
 	return nil, nil
 }
 
diff --git a/internal/api/handler_coverage_test.go b/internal/api/handler_coverage_test.go
index 83cfd7346..ed74fde32 100644
--- a/internal/api/handler_coverage_test.go
+++ b/internal/api/handler_coverage_test.go
@@ -628,7 +628,7 @@ func TestHandler_listPlans_Error(t *testing.T) {
 
 	adminSession := &Session{UserID: "admin-id", Role: "admin"}
 	mockAuth.On("ValidateSession", ctx, "test-token").Return(adminSession, nil)
-	mockStore.On("ListPurchasePlans", mock.Anything).Return(nil, errors.New("db error"))
+	mockStore.On("ListPurchasePlans", mock.Anything, mock.Anything).Return(nil, errors.New("db error"))
 
 	handler := &Handler{config: mockStore, auth: mockAuth}
 
@@ -636,7 +636,7 @@ func TestHandler_listPlans_Error(t *testing.T) {
 		Headers: map[string]string{"Authorization": "Bearer test-token"},
 	}
 
-	_, err := handler.listPlans(ctx, req)
+	_, err := handler.listPlans(ctx, req, map[string]string{})
 	assert.Error(t, err)
 }
 
diff --git a/internal/api/handler_dashboard.go b/internal/api/handler_dashboard.go
index 470b9ccf6..8e0ae7aeb 100644
--- a/internal/api/handler_dashboard.go
+++ b/internal/api/handler_dashboard.go
@@ -242,7 +242,7 @@ func (h *Handler) getUpcomingPurchases(ctx context.Context, req *events.LambdaFu
 		return nil, fmt.Errorf("failed to get pending executions: %w", err)
 	}
 
-	plans, err := h.config.ListPurchasePlans(ctx)
+	plans, err := h.config.ListPurchasePlans(ctx, config.PurchasePlanFilter{})
 	if err != nil {
 		return nil, fmt.Errorf("failed to get purchase plans: %w", err)
 	}
diff --git a/internal/api/handler_dashboard_test.go b/internal/api/handler_dashboard_test.go
index a7fe1b31e..53551a98d 100644
--- a/internal/api/handler_dashboard_test.go
+++ b/internal/api/handler_dashboard_test.go
@@ -306,7 +306,7 @@ func TestHandler_getUpcomingPurchases(t *testing.T) {
 	}
 
 	mockStore.On("GetPendingExecutions", ctx).Return(pending, nil)
-	mockStore.On("ListPurchasePlans", ctx).Return([]config.PurchasePlan{planA, planB}, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return([]config.PurchasePlan{planA, planB}, nil)
 
 	mockAuth, req := adminDashboardReq(ctx)
 	handler := &Handler{auth: mockAuth, config: mockStore}
@@ -350,7 +350,7 @@ func TestHandler_getUpcomingPurchases_OrphanExecutionSkipped(t *testing.T) {
 		},
 	}
 	mockStore.On("GetPendingExecutions", ctx).Return(pending, nil)
-	mockStore.On("ListPurchasePlans", ctx).Return([]config.PurchasePlan{}, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return([]config.PurchasePlan{}, nil)
 
 	mockAuth, req := adminDashboardReq(ctx)
 	handler := &Handler{auth: mockAuth, config: mockStore}
@@ -403,7 +403,7 @@ func TestHandler_getUpcomingPurchases_ScopedUser(t *testing.T) {
 		RampSchedule: config.RampSchedule{CurrentStep: 0, TotalSteps: 5},
 	}
 
-	mockStore.On("ListPurchasePlans", ctx).Return([]config.PurchasePlan{planA, planB}, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return([]config.PurchasePlan{planA, planB}, nil)
 	mockStore.On("GetPendingExecutions", ctx).Return([]config.PurchaseExecution{
 		{ExecutionID: "exec-A", PlanID: planA.ID, Status: "pending", ScheduledDate: nextExecDate, StepNumber: 1},
 		{ExecutionID: "exec-B", PlanID: planB.ID, Status: "pending", ScheduledDate: nextExecDate, StepNumber: 1},
@@ -453,7 +453,7 @@ func TestHandler_getUpcomingPurchases_ScopedUser_SkipsUnattributed(t *testing.T)
 		NextExecutionDate: &nextExecDate,
 		RampSchedule:      config.RampSchedule{CurrentStep: 0, TotalSteps: 5},
 	}
-	mockStore.On("ListPurchasePlans", ctx).Return([]config.PurchasePlan{plan}, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return([]config.PurchasePlan{plan}, nil)
 	mockStore.On("GetPendingExecutions", ctx).Return([]config.PurchaseExecution{
 		{ExecutionID: "exec-unattributed", PlanID: plan.ID, Status: "pending", ScheduledDate: nextExecDate, StepNumber: 1},
 	}, nil)
@@ -793,7 +793,7 @@ func TestHandler_getUpcomingPurchases_Errors(t *testing.T) {
 	t.Run("list plans error", func(t *testing.T) {
 		mockStore := new(MockConfigStore)
 		mockStore.On("GetPendingExecutions", ctx).Return([]config.PurchaseExecution{}, nil)
-		mockStore.On("ListPurchasePlans", ctx).Return(nil, errors.New("db error"))
+		mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(nil, errors.New("db error"))
 
 		mockAuth, req := adminDashboardReq(ctx)
 		handler := &Handler{auth: mockAuth, config: mockStore}
@@ -806,7 +806,7 @@ func TestHandler_getUpcomingPurchases_Errors(t *testing.T) {
 	t.Run("no pending executions yields empty list", func(t *testing.T) {
 		mockStore := new(MockConfigStore)
 		mockStore.On("GetPendingExecutions", ctx).Return([]config.PurchaseExecution{}, nil)
-		mockStore.On("ListPurchasePlans", ctx).Return([]config.PurchasePlan{}, nil)
+		mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return([]config.PurchasePlan{}, nil)
 
 		mockAuth, req := adminDashboardReq(ctx)
 		handler := &Handler{auth: mockAuth, config: mockStore}
diff --git a/internal/api/handler_plans.go b/internal/api/handler_plans.go
index 6e01984b7..6e07ba464 100644
--- a/internal/api/handler_plans.go
+++ b/internal/api/handler_plans.go
@@ -15,13 +15,21 @@ import (
 )
 
 // Plans handlers
-func (h *Handler) listPlans(ctx context.Context, req *events.LambdaFunctionURLRequest) (*PlansResponse, error) {
+func (h *Handler) listPlans(ctx context.Context, req *events.LambdaFunctionURLRequest, params map[string]string) (*PlansResponse, error) {
 	// Require view:plans permission
 	if _, err := h.requirePermission(ctx, req, "view", "plans"); err != nil {
 		return nil, err
 	}
 
-	plans, err := h.config.ListPurchasePlans(ctx)
+	// parseAccountIDs validates and splits the comma-separated account_ids
+	// query param. Returns nil (no filter) when absent or empty.
+	accountIDs, err := parseAccountIDs(params["account_ids"])
+	if err != nil {
+		return nil, NewClientError(400, err.Error())
+	}
+
+	filter := config.PurchasePlanFilter{AccountIDs: accountIDs}
+	plans, err := h.config.ListPurchasePlans(ctx, filter)
 	if err != nil {
 		return nil, err
 	}
diff --git a/internal/api/handler_plans_test.go b/internal/api/handler_plans_test.go
index 617d04ef0..7cd1f5877 100644
--- a/internal/api/handler_plans_test.go
+++ b/internal/api/handler_plans_test.go
@@ -31,7 +31,7 @@ func TestHandler_listPlans(t *testing.T) {
 	}
 
 	mockAuth.On("ValidateSession", ctx, "admin-token").Return(adminSession, nil)
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 
 	handler := &Handler{config: mockStore, auth: mockAuth}
 
@@ -40,12 +40,48 @@ func TestHandler_listPlans(t *testing.T) {
 			"Authorization": "Bearer admin-token",
 		},
 	}
-	result, err := handler.listPlans(ctx, req)
+	result, err := handler.listPlans(ctx, req, map[string]string{})
 	require.NoError(t, err)
 
 	assert.Len(t, result.Plans, 2)
 }
 
+func TestHandler_listPlans_AccountIDsFilter(t *testing.T) {
+	ctx := context.Background()
+	mockStore := new(MockConfigStore)
+	mockAuth := new(MockAuthService)
+
+	adminSession := &Session{
+		UserID: "aaaaaaaa-aaaa-aaaa-aaaa-aaaaaaaaaaaa",
+		Email:  "admin@example.com",
+		Role:   "admin",
+	}
+
+	plans := []config.PurchasePlan{
+		{ID: "11111111-1111-1111-1111-111111111111", Name: "Account Plan", Enabled: true},
+	}
+
+	accountID := "bbbbbbbb-bbbb-bbbb-bbbb-bbbbbbbbbbbb"
+	expectedFilter := config.PurchasePlanFilter{AccountIDs: []string{accountID}}
+
+	mockAuth.On("ValidateSession", ctx, "admin-token").Return(adminSession, nil)
+	mockStore.On("ListPurchasePlans", ctx, expectedFilter).Return(plans, nil)
+
+	handler := &Handler{config: mockStore, auth: mockAuth}
+
+	req := &events.LambdaFunctionURLRequest{
+		Headers: map[string]string{
+			"Authorization": "Bearer admin-token",
+		},
+	}
+	params := map[string]string{"account_ids": accountID}
+	result, err := handler.listPlans(ctx, req, params)
+	require.NoError(t, err)
+
+	assert.Len(t, result.Plans, 1)
+	assert.Equal(t, "Account Plan", result.Plans[0].Name)
+}
+
 func TestHandler_createPlan(t *testing.T) {
 	ctx := context.Background()
 	mockStore := new(MockConfigStore)
diff --git a/internal/api/handler_purchases.go b/internal/api/handler_purchases.go
index c00644a6f..0c82e5af4 100644
--- a/internal/api/handler_purchases.go
+++ b/internal/api/handler_purchases.go
@@ -95,7 +95,7 @@ func (h *Handler) getPlannedPurchases(ctx context.Context, req *events.LambdaFun
 		return nil, fmt.Errorf("failed to get pending executions: %w", err)
 	}
 
-	plans, err := h.config.ListPurchasePlans(ctx)
+	plans, err := h.config.ListPurchasePlans(ctx, config.PurchasePlanFilter{})
 	if err != nil {
 		return nil, fmt.Errorf("failed to get purchase plans: %w", err)
 	}
diff --git a/internal/api/handler_purchases_test.go b/internal/api/handler_purchases_test.go
index 111c483b4..5248d7025 100644
--- a/internal/api/handler_purchases_test.go
+++ b/internal/api/handler_purchases_test.go
@@ -752,7 +752,7 @@ func TestHandler_getPlannedPurchases(t *testing.T) {
 
 	mockAuth.On("ValidateSession", ctx, "admin-token").Return(adminSession, nil)
 	mockStore.On("GetPendingExecutions", ctx).Return(executions, nil)
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 
 	handler := &Handler{config: mockStore, auth: mockAuth}
 
@@ -1069,7 +1069,7 @@ func TestHandler_getPlannedPurchases_ErrorGettingPlans(t *testing.T) {
 
 	mockAuth.On("ValidateSession", ctx, "admin-token").Return(adminSession, nil)
 	mockStore.On("GetPendingExecutions", ctx).Return(executions, nil)
-	mockStore.On("ListPurchasePlans", ctx).Return(nil, errors.New("database error"))
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(nil, errors.New("database error"))
 
 	handler := &Handler{config: mockStore, auth: mockAuth}
 
diff --git a/internal/api/handler_test.go b/internal/api/handler_test.go
index d5aa51756..5f8e3b3f0 100644
--- a/internal/api/handler_test.go
+++ b/internal/api/handler_test.go
@@ -544,7 +544,7 @@ func TestHandler_HandleRequest_ListPlans(t *testing.T) {
 	mockAuth.On("ValidateSession", ctx, "test-token").Return(adminSession, nil)
 
 	plans := []config.PurchasePlan{{ID: "11111111-1111-1111-1111-111111111111"}}
-	mockStore.On("ListPurchasePlans", mock.Anything).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", mock.Anything, mock.Anything).Return(plans, nil)
 
 	handler := &Handler{config: mockStore, auth: mockAuth, apiKey: "test-key"}
 
@@ -953,7 +953,7 @@ func TestHandler_HandleRequest_GetUpcomingPurchases(t *testing.T) {
 		},
 	}
 
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 	// New: handler now enumerates pending executions per PR #213. Fixture
 	// supplies one pending exec for the plan above so the integration test
 	// still observes a single upcoming row.
@@ -1012,7 +1012,7 @@ func TestHandler_HandleRequest_GetPlannedPurchases(t *testing.T) {
 	}
 
 	mockStore.On("GetPendingExecutions", ctx).Return(executions, nil)
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 
 	handler := &Handler{config: mockStore, auth: mockAuth, corsAllowedOrigin: "*", apiKey: "test-key"}
 
@@ -1289,7 +1289,7 @@ func TestHandler_HandleRequest_ListPlans_Error(t *testing.T) {
 	adminSession := &Session{UserID: "admin-id", Email: "admin@example.com", Role: "admin"}
 	mockAuth.On("ValidateSession", ctx, "test-token").Return(adminSession, nil)
 
-	mockStore.On("ListPurchasePlans", mock.Anything).Return(nil, assert.AnError)
+	mockStore.On("ListPurchasePlans", mock.Anything, mock.Anything).Return(nil, assert.AnError)
 
 	handler := &Handler{config: mockStore, auth: mockAuth, apiKey: "test-key"}
 
diff --git a/internal/api/mocks_test.go b/internal/api/mocks_test.go
index e1edcf3d3..411177862 100644
--- a/internal/api/mocks_test.go
+++ b/internal/api/mocks_test.go
@@ -138,8 +138,8 @@ func (m *MockConfigStore) DeletePurchasePlan(ctx context.Context, planID string)
 	return args.Error(0)
 }
 
-func (m *MockConfigStore) ListPurchasePlans(ctx context.Context) ([]config.PurchasePlan, error) {
-	args := m.Called(ctx)
+func (m *MockConfigStore) ListPurchasePlans(ctx context.Context, filter config.PurchasePlanFilter) ([]config.PurchasePlan, error) {
+	args := m.Called(ctx, filter)
 	if args.Get(0) == nil {
 		return nil, args.Error(1)
 	}
diff --git a/internal/api/router.go b/internal/api/router.go
index 5072b5377..c770b941b 100644
--- a/internal/api/router.go
+++ b/internal/api/router.go
@@ -432,7 +432,7 @@ func (r *Router) getRecommendationDetailHandler(ctx context.Context, req *events
 }
 
 func (r *Router) listPlansHandler(ctx context.Context, req *events.LambdaFunctionURLRequest, params map[string]string) (any, error) {
-	return r.h.listPlans(ctx, req)
+	return r.h.listPlans(ctx, req, req.QueryStringParameters)
 }
 
 func (r *Router) createPlanHandler(ctx context.Context, req *events.LambdaFunctionURLRequest, params map[string]string) (any, error) {
diff --git a/internal/config/interfaces.go b/internal/config/interfaces.go
index ac3cc2931..ea01e0b76 100644
--- a/internal/config/interfaces.go
+++ b/internal/config/interfaces.go
@@ -29,7 +29,7 @@ type StoreInterface interface {
 	// rows and no stale plan pointer.
 	UpdatePurchasePlanTx(ctx context.Context, tx pgx.Tx, plan *PurchasePlan) error
 	DeletePurchasePlan(ctx context.Context, planID string) error
-	ListPurchasePlans(ctx context.Context) ([]PurchasePlan, error)
+	ListPurchasePlans(ctx context.Context, filter PurchasePlanFilter) ([]PurchasePlan, error)
 
 	// Purchase executions
 	SavePurchaseExecution(ctx context.Context, execution *PurchaseExecution) error
diff --git a/internal/config/store_postgres.go b/internal/config/store_postgres.go
index 869f62658..0f1a7f757 100644
--- a/internal/config/store_postgres.go
+++ b/internal/config/store_postgres.go
@@ -583,17 +583,44 @@ func (s *PostgresStore) DeletePurchasePlan(ctx context.Context, planID string) e
 	return nil
 }
 
-// ListPurchasePlans lists all purchase plans
-func (s *PostgresStore) ListPurchasePlans(ctx context.Context) ([]PurchasePlan, error) {
-	query := `
-		SELECT id, name, enabled, auto_purchase, notification_days_before,
-		       services, ramp_schedule, created_at, updated_at,
-		       next_execution_date, last_execution_date, last_notification_sent
-		FROM purchase_plans
-		ORDER BY created_at DESC
-	`
-
-	rows, err := s.db.Query(ctx, query)
+// buildListPlansQuery returns the SQL query and args for ListPurchasePlans.
+// When accountIDs is non-empty the query JOINs plan_accounts and filters
+// on account_id IN ($1, $2, …) using parameterised placeholders so the
+// result is bounded to plans that reference at least one of the given accounts.
+func buildListPlansQuery(accountIDs []string) (query string, args []any) {
+	if len(accountIDs) == 0 {
+		return `
+			SELECT id, name, enabled, auto_purchase, notification_days_before,
+			       services, ramp_schedule, created_at, updated_at,
+			       next_execution_date, last_execution_date, last_notification_sent
+			FROM purchase_plans
+			ORDER BY created_at DESC
+		`, nil
+	}
+	placeholders := make([]string, len(accountIDs))
+	args = make([]any, len(accountIDs))
+	for i, id := range accountIDs {
+		placeholders[i] = fmt.Sprintf("$%d", i+1)
+		args[i] = id
+	}
+	query = fmt.Sprintf(`
+		SELECT DISTINCT pp.id, pp.name, pp.enabled, pp.auto_purchase, pp.notification_days_before,
+		       pp.services, pp.ramp_schedule, pp.created_at, pp.updated_at,
+		       pp.next_execution_date, pp.last_execution_date, pp.last_notification_sent
+		FROM purchase_plans pp
+		JOIN plan_accounts pa ON pa.plan_id = pp.id
+		WHERE pa.account_id IN (%s)
+		ORDER BY pp.created_at DESC
+	`, strings.Join(placeholders, ", "))
+	return query, args
+}
+
+// ListPurchasePlans lists purchase plans, optionally filtered by account IDs.
+// When filter.AccountIDs is non-empty the result is limited to plans that
+// reference at least one of those accounts via the plan_accounts join table.
+func (s *PostgresStore) ListPurchasePlans(ctx context.Context, filter PurchasePlanFilter) ([]PurchasePlan, error) {
+	query, args := buildListPlansQuery(filter.AccountIDs)
+	rows, err := s.db.Query(ctx, query, args...)
 	if err != nil {
 		return nil, fmt.Errorf("failed to list purchase plans: %w", err)
 	}
diff --git a/internal/config/store_postgres_additional_test.go b/internal/config/store_postgres_additional_test.go
index 88cfce314..d02ac6008 100644
--- a/internal/config/store_postgres_additional_test.go
+++ b/internal/config/store_postgres_additional_test.go
@@ -522,7 +522,7 @@ func TestListPurchasePlans_ScanError(t *testing.T) {
 	mock.ExpectQuery(`SELECT id, name, enabled, auto_purchase, notification_days_before`).
 		WillReturnRows(rows)
 
-	plans, err := store.ListPurchasePlans(context.Background())
+	plans, err := store.ListPurchasePlans(context.Background(), PurchasePlanFilter{})
 	assert.Error(t, err)
 	assert.Nil(t, plans)
 
diff --git a/internal/config/store_postgres_comprehensive_test.go b/internal/config/store_postgres_comprehensive_test.go
index 8f5946b7d..de8d03341 100644
--- a/internal/config/store_postgres_comprehensive_test.go
+++ b/internal/config/store_postgres_comprehensive_test.go
@@ -125,7 +125,7 @@ func (s *mockablePostgresStore) UpdatePurchasePlan(ctx context.Context, plan *Pu
 	return nil
 }
 
-func (s *mockablePostgresStore) ListPurchasePlans(ctx context.Context) ([]PurchasePlan, error) {
+func (s *mockablePostgresStore) ListPurchasePlans(ctx context.Context, filter PurchasePlanFilter) ([]PurchasePlan, error) {
 	query := `
 		SELECT id, name, enabled, auto_purchase, notification_days_before,
 		       services, ramp_schedule, created_at, updated_at,
@@ -748,7 +748,7 @@ func TestListPurchasePlans_Success(t *testing.T) {
 	mock.ExpectQuery(`SELECT id, name, enabled, auto_purchase, notification_days_before`).
 		WillReturnRows(rows)
 
-	plans, err := store.ListPurchasePlans(context.Background())
+	plans, err := store.ListPurchasePlans(context.Background(), PurchasePlanFilter{})
 	require.NoError(t, err)
 	assert.Len(t, plans, 2)
 
@@ -782,7 +782,7 @@ func TestListPurchasePlans_Empty(t *testing.T) {
 	mock.ExpectQuery(`SELECT id, name, enabled, auto_purchase, notification_days_before`).
 		WillReturnRows(rows)
 
-	plans, err := store.ListPurchasePlans(context.Background())
+	plans, err := store.ListPurchasePlans(context.Background(), PurchasePlanFilter{})
 	require.NoError(t, err)
 	assert.NotNil(t, plans)
 	assert.Empty(t, plans)
@@ -800,7 +800,7 @@ func TestListPurchasePlans_QueryError(t *testing.T) {
 	mock.ExpectQuery(`SELECT id, name, enabled, auto_purchase, notification_days_before`).
 		WillReturnError(errors.New("table not found"))
 
-	plans, err := store.ListPurchasePlans(context.Background())
+	plans, err := store.ListPurchasePlans(context.Background(), PurchasePlanFilter{})
 	assert.Error(t, err)
 	assert.Nil(t, plans)
 	assert.Contains(t, err.Error(), "table not found")
@@ -829,7 +829,7 @@ func TestListPurchasePlans_InvalidServicesJSON(t *testing.T) {
 	mock.ExpectQuery(`SELECT id, name, enabled, auto_purchase, notification_days_before`).
 		WillReturnRows(rows)
 
-	plans, err := store.ListPurchasePlans(context.Background())
+	plans, err := store.ListPurchasePlans(context.Background(), PurchasePlanFilter{})
 	assert.Error(t, err)
 	assert.Nil(t, plans)
 
@@ -857,7 +857,7 @@ func TestListPurchasePlans_InvalidRampScheduleJSON(t *testing.T) {
 	mock.ExpectQuery(`SELECT id, name, enabled, auto_purchase, notification_days_before`).
 		WillReturnRows(rows)
 
-	plans, err := store.ListPurchasePlans(context.Background())
+	plans, err := store.ListPurchasePlans(context.Background(), PurchasePlanFilter{})
 	assert.Error(t, err)
 	assert.Nil(t, plans)
 
@@ -1925,7 +1925,7 @@ func TestListPurchasePlans_RowsError(t *testing.T) {
 	mock.ExpectQuery(`SELECT id, name, enabled, auto_purchase, notification_days_before`).
 		WillReturnRows(rows)
 
-	plans, err := store.ListPurchasePlans(context.Background())
+	plans, err := store.ListPurchasePlans(context.Background(), PurchasePlanFilter{})
 	assert.Error(t, err)
 	assert.Nil(t, plans)
 
diff --git a/internal/config/store_postgres_coverage_test.go b/internal/config/store_postgres_coverage_test.go
index 0311c98f1..150f448ee 100644
--- a/internal/config/store_postgres_coverage_test.go
+++ b/internal/config/store_postgres_coverage_test.go
@@ -342,7 +342,7 @@ func TestPostgresStore_ListPurchasePlans_NilDB(t *testing.T) {
 	ctx := context.Background()
 
 	panicked := callWithRecover(func() {
-		_, _ = store.ListPurchasePlans(ctx)
+		_, _ = store.ListPurchasePlans(ctx, PurchasePlanFilter{})
 	})
 
 	assert.True(t, panicked, "expected panic with nil db connection")
diff --git a/internal/config/store_postgres_db_test.go b/internal/config/store_postgres_db_test.go
index 7a55e2628..ecf2ba8cc 100644
--- a/internal/config/store_postgres_db_test.go
+++ b/internal/config/store_postgres_db_test.go
@@ -474,7 +474,7 @@ func TestPostgresStoreDB_PurchasePlans(t *testing.T) {
 			require.NoError(t, err)
 		}
 
-		retrieved, err := store.ListPurchasePlans(ctx)
+		retrieved, err := store.ListPurchasePlans(ctx, PurchasePlanFilter{})
 		require.NoError(t, err)
 		assert.Len(t, retrieved, 2)
 	})
@@ -500,7 +500,7 @@ func TestPostgresStoreDB_PurchasePlans(t *testing.T) {
 		err := store.CreatePurchasePlan(ctx, plan)
 		require.NoError(t, err)
 
-		plans, err := store.ListPurchasePlans(ctx)
+		plans, err := store.ListPurchasePlans(ctx, PurchasePlanFilter{})
 		require.NoError(t, err)
 		assert.Len(t, plans, 1)
 		assert.NotNil(t, plans[0].NextExecutionDate)
diff --git a/internal/config/store_postgres_pgxmock_test.go b/internal/config/store_postgres_pgxmock_test.go
index 263935624..7ec33b8a7 100644
--- a/internal/config/store_postgres_pgxmock_test.go
+++ b/internal/config/store_postgres_pgxmock_test.go
@@ -303,7 +303,7 @@ func TestPGXMock_ListPurchasePlans_Success(t *testing.T) {
 			sql.NullTime{}, sql.NullTime{}, sql.NullTime{})
 	mock.ExpectQuery("SELECT").WillReturnRows(rows)
 
-	plans, err := store.ListPurchasePlans(ctx)
+	plans, err := store.ListPurchasePlans(ctx, PurchasePlanFilter{})
 	require.NoError(t, err)
 	assert.Len(t, plans, 2)
 	assert.NoError(t, mock.ExpectationsWereMet())
@@ -316,7 +316,7 @@ func TestPGXMock_ListPurchasePlans_Error(t *testing.T) {
 
 	mock.ExpectQuery("SELECT").WillReturnError(errors.New("db error"))
 
-	_, err := store.ListPurchasePlans(ctx)
+	_, err := store.ListPurchasePlans(ctx, PurchasePlanFilter{})
 	require.Error(t, err)
 }
 
diff --git a/internal/config/store_postgres_test.go b/internal/config/store_postgres_test.go
index 16c2b64df..cd02e0cf7 100644
--- a/internal/config/store_postgres_test.go
+++ b/internal/config/store_postgres_test.go
@@ -265,7 +265,7 @@ func TestPostgresStore_PurchasePlans(t *testing.T) {
 		}
 
 		// List all plans
-		retrieved, err := store.ListPurchasePlans(ctx)
+		retrieved, err := store.ListPurchasePlans(ctx, PurchasePlanFilter{})
 		require.NoError(t, err)
 		assert.GreaterOrEqual(t, len(retrieved), 2)
 	})
diff --git a/internal/config/types.go b/internal/config/types.go
index 7b10a1c64..b921a4b72 100644
--- a/internal/config/types.go
+++ b/internal/config/types.go
@@ -392,6 +392,14 @@ type RecommendationFilter struct {
 	MinSavings float64  // 0 = no floor on monthly savings
 }
 
+// PurchasePlanFilter parameterises ListPurchasePlans. Zero-value means "no
+// filter" (all plans are returned). Non-empty AccountIDs restricts the result
+// to plans that reference at least one of the given account IDs via the
+// plan_accounts join table.
+type PurchasePlanFilter struct {
+	AccountIDs []string // nil/empty = all plans
+}
+
 // RecommendationsFreshness describes the cache staleness state surfaced to
 // the frontend. LastCollectedAt is nil on a cold start.
 // LastCollectionError is non-nil when the most recent collect attempt
diff --git a/internal/mocks/stores.go b/internal/mocks/stores.go
index 89c531ea9..0413d472a 100644
--- a/internal/mocks/stores.go
+++ b/internal/mocks/stores.go
@@ -94,8 +94,8 @@ func (m *MockConfigStore) DeletePurchasePlan(ctx context.Context, planID string)
 }
 
 // ListPurchasePlans mocks the ListPurchasePlans operation
-func (m *MockConfigStore) ListPurchasePlans(ctx context.Context) ([]config.PurchasePlan, error) {
-	args := m.Called(ctx)
+func (m *MockConfigStore) ListPurchasePlans(ctx context.Context, filter config.PurchasePlanFilter) ([]config.PurchasePlan, error) {
+	args := m.Called(ctx, filter)
 	if args.Get(0) == nil {
 		return nil, args.Error(1)
 	}
diff --git a/internal/purchase/messages_test.go b/internal/purchase/messages_test.go
index 146733039..3af452b08 100644
--- a/internal/purchase/messages_test.go
+++ b/internal/purchase/messages_test.go
@@ -83,7 +83,7 @@ func TestManager_ProcessMessage(t *testing.T) {
 			email:        mockEmail,
 			dashboardURL: "https://dashboard.example.com",
 		}
-		mockStore.On("ListPurchasePlans", ctx).Return([]config.PurchasePlan{}, nil)
+		mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return([]config.PurchasePlan{}, nil)
 
 		err := manager.ProcessMessage(ctx, `{"type": "send_notification"}`)
 		assert.NoError(t, err)
diff --git a/internal/purchase/mocks_test.go b/internal/purchase/mocks_test.go
index 8b0199876..fd88ae2e3 100644
--- a/internal/purchase/mocks_test.go
+++ b/internal/purchase/mocks_test.go
@@ -233,8 +233,8 @@ func (m *MockConfigStore) DeletePurchasePlan(ctx context.Context, planID string)
 	return args.Error(0)
 }
 
-func (m *MockConfigStore) ListPurchasePlans(ctx context.Context) ([]config.PurchasePlan, error) {
-	args := m.Called(ctx)
+func (m *MockConfigStore) ListPurchasePlans(ctx context.Context, filter config.PurchasePlanFilter) ([]config.PurchasePlan, error) {
+	args := m.Called(ctx, filter)
 	if args.Get(0) == nil {
 		return nil, args.Error(1)
 	}
diff --git a/internal/purchase/notifications.go b/internal/purchase/notifications.go
index 63775d985..2b25b5ed0 100644
--- a/internal/purchase/notifications.go
+++ b/internal/purchase/notifications.go
@@ -16,7 +16,7 @@ import (
 func (m *Manager) SendUpcomingPurchaseNotifications(ctx context.Context) (*NotificationResult, error) {
 	logging.Info("Checking for upcoming purchases to notify...")
 
-	plans, err := m.config.ListPurchasePlans(ctx)
+	plans, err := m.config.ListPurchasePlans(ctx, config.PurchasePlanFilter{})
 	if err != nil {
 		return nil, fmt.Errorf("failed to list purchase plans: %w", err)
 	}
diff --git a/internal/purchase/notifications_test.go b/internal/purchase/notifications_test.go
index 6918d7a2e..57acc2fce 100644
--- a/internal/purchase/notifications_test.go
+++ b/internal/purchase/notifications_test.go
@@ -17,7 +17,7 @@ func TestManager_SendUpcomingPurchaseNotifications_NoPlans(t *testing.T) {
 	mockStore := new(MockConfigStore)
 	mockEmail := new(MockEmailSender)
 
-	mockStore.On("ListPurchasePlans", ctx).Return([]config.PurchasePlan{}, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return([]config.PurchasePlan{}, nil)
 
 	manager := &Manager{
 		config:       mockStore,
@@ -48,7 +48,7 @@ func TestManager_SendUpcomingPurchaseNotifications_DisabledPlan(t *testing.T) {
 		},
 	}
 
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 
 	manager := &Manager{
 		config:       mockStore,
@@ -79,7 +79,7 @@ func TestManager_SendUpcomingPurchaseNotifications_NotAutoPurchase(t *testing.T)
 		},
 	}
 
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 
 	manager := &Manager{
 		config:       mockStore,
@@ -101,7 +101,7 @@ func TestManager_SendUpcomingPurchaseNotifications_Error(t *testing.T) {
 	mockStore := new(MockConfigStore)
 	mockEmail := new(MockEmailSender)
 
-	mockStore.On("ListPurchasePlans", ctx).Return(nil, errors.New("database error"))
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(nil, errors.New("database error"))
 
 	manager := &Manager{
 		config:       mockStore,
@@ -314,7 +314,7 @@ func TestManager_SendUpcomingPurchaseNotifications_WithNotification(t *testing.T
 		},
 	}
 
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 	// No existing execution found
 	mockStore.On("GetExecutionByPlanAndDate", ctx, "plan-123", nextExec).Return(nil, nil)
 	mockStore.On("SavePurchaseExecution", ctx, mock.AnythingOfType("*config.PurchaseExecution")).Return(nil)
@@ -354,7 +354,7 @@ func TestManager_SendUpcomingPurchaseNotifications_TooFarAway(t *testing.T) {
 		},
 	}
 
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 
 	manager := &Manager{
 		config:       mockStore,
@@ -390,7 +390,7 @@ func TestManager_SendUpcomingPurchaseNotifications_RecentNotification(t *testing
 		},
 	}
 
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 
 	manager := &Manager{
 		config:       mockStore,
@@ -423,7 +423,7 @@ func TestManager_SendUpcomingPurchaseNotifications_NoNextExecutionDate(t *testin
 		},
 	}
 
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 
 	manager := &Manager{
 		config:       mockStore,
@@ -458,7 +458,7 @@ func TestManager_SendUpcomingPurchaseNotifications_EmailFails(t *testing.T) {
 		},
 	}
 
-	mockStore.On("ListPurchasePlans", ctx).Return(plans, nil)
+	mockStore.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return(plans, nil)
 	// No existing execution found
 	mockStore.On("GetExecutionByPlanAndDate", ctx, "plan-123", nextExec).Return(nil, nil)
 	mockStore.On("SavePurchaseExecution", ctx, mock.AnythingOfType("*config.PurchaseExecution")).Return(nil)
diff --git a/internal/scheduler/scheduler_test.go b/internal/scheduler/scheduler_test.go
index afb7b03bd..05dc5983f 100644
--- a/internal/scheduler/scheduler_test.go
+++ b/internal/scheduler/scheduler_test.go
@@ -111,8 +111,8 @@ func (m *MockConfigStore) DeletePurchasePlan(ctx context.Context, planID string)
 	return args.Error(0)
 }
 
-func (m *MockConfigStore) ListPurchasePlans(ctx context.Context) ([]config.PurchasePlan, error) {
-	args := m.Called(ctx)
+func (m *MockConfigStore) ListPurchasePlans(ctx context.Context, filter config.PurchasePlanFilter) ([]config.PurchasePlan, error) {
+	args := m.Called(ctx, filter)
 	if args.Get(0) == nil {
 		return nil, args.Error(1)
 	}
@@ -980,11 +980,11 @@ func TestSchedulerConfigStoreInterface(t *testing.T) {
 	// These calls just verify the mock has the methods
 	store.On("GetGlobalConfig", ctx).Return(&config.GlobalConfig{}, nil)
 	store.On("ListServiceConfigs", ctx).Return([]config.ServiceConfig{}, nil)
-	store.On("ListPurchasePlans", ctx).Return([]config.PurchasePlan{}, nil)
+	store.On("ListPurchasePlans", ctx, config.PurchasePlanFilter{}).Return([]config.PurchasePlan{}, nil)
 
 	_, _ = store.GetGlobalConfig(ctx)
 	_, _ = store.ListServiceConfigs(ctx)
-	_, _ = store.ListPurchasePlans(ctx)
+	_, _ = store.ListPurchasePlans(ctx, config.PurchasePlanFilter{})
 
 	store.AssertExpectations(t)
 }
diff --git a/internal/server/test_helpers_test.go b/internal/server/test_helpers_test.go
index 033e27790..61d93120b 100644
--- a/internal/server/test_helpers_test.go
+++ b/internal/server/test_helpers_test.go
@@ -55,7 +55,7 @@ func (m *mockConfigStoreForHealth) DeletePurchasePlan(ctx context.Context, planI
 	return nil
 }
 
-func (m *mockConfigStoreForHealth) ListPurchasePlans(ctx context.Context) ([]config.PurchasePlan, error) {
+func (m *mockConfigStoreForHealth) ListPurchasePlans(ctx context.Context, filter config.PurchasePlanFilter) ([]config.PurchasePlan, error) {
 	return nil, nil
 }