Upgrading and Downgrading

How to Change Your Plan

Sign in and open Settings
Select Plans
Choose the tier you would like to switch to
Confirm the change — this routes through Stripe Checkout for new subscribers, or updates your existing subscription in place

Upgrading

When you upgrade to a higher tier (for example, Free to Personal, or Personal to Household):

Takes effect immediately — premium features unlock right away
Pro-rated billing — Stripe charges you only for the remaining days in your current billing cycle, and the change is applied to your subscription via Stripe's standard subscription update flow
No data loss — everything you have already set up carries forward

Common Upgrades

From	To	What you gain
Free	Personal	Plaid sync where available, smart categorisation, advanced reports, tax-aware tracking, debt planner, cash-flow planning tools
Free	Household	Everything in Personal, plus shared goals, household roles, activity feed, and review queue
Personal	Household	Shared goals and budgets, role-based access, household activity feed, review queue

See subscription plans and pricing for the full feature comparison.

Downgrading

When you downgrade to a lower tier (for example, Household to Personal, or Personal to Free):

Applies at end of billing cycle — you keep premium features until your current paid period ends
Your data is preserved — transactions, categories, rules, goals, and history remain intact
Features are paused — premium features become unavailable, but nothing is deleted

What Happens to Your Data

Downgrading never deletes your data. If you later upgrade again, everything is right where you left it:

Bank connections are paused (not deleted) when you lose Plaid sync
Reports and dashboards are preserved but inaccessible on Free
Household data remains if you downgrade from Household — you just lose sharing features

For permanent deletion, see deleting your account. To stop billing without changing tiers, see cancelling your subscription.

Switching Between Personal and Household

You can switch between Personal and Household without interruption. There is no need to cancel and re-subscribe — change your tier from Settings > Plans and Stripe updates your subscription in place, prorating the difference.

Switching Billing Frequency

To switch between monthly and annual billing, open the Stripe Customer Portal from Settings > Plans > Manage subscription. Switching to annual saves up to ~56% compared to monthly. See managing payment methods for details.