Subscription and payment

Subscription: plans, payments, changing your plan

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Key information at a glance

Subscriptions are purchased for a team, not an individual user. The team owner pays for and manages the subscription. All team members can use the features of their plan.
Your “plan” in the app is the highest-tier plan among the teams you are an active member of. If you are invited to a team with a higher-tier plan, you gain its capabilities within that team.
As long as the team is on the free plan, no payment is required, and the plan's limitations are automatically applied.
In the team switcher (top left, next to the workspace name), teams display a plan tag: the name of the paid plan (Plus, Business…), or "Trial" — if a free trial period is ongoing. A team on the free plan without a trial has no tag: this is intentional to avoid cluttering the menu. "Trial" is shown during a trial, not "Business", because the subscription has not yet been paid for — premium features are unlocked by the trial period.

Plans

Each plan sets limits and features: number of accounts, monthly transactions, teams, members, access to reports, exports, backups, and AI features. A full list of plans and prices is visible on the pricing page and in Settings → Plan.

Prices are listed per month or per year (annual is usually more cost-effective).
Prices are in dollars ($4.99/mo for Plus). The exact amount shown on the pricing page is charged; if you buy in the mobile app, the store will convert it to your currency and add local tax — see below.
Limits are checked at the time of creation: for example, you cannot add an account beyond the plan's limit. Existing data is not deleted when a plan is downgraded — you simply won't be able to create new items exceeding the new limit.
Monthly transaction limit reached. When your plan's transaction limit is exhausted, attempting to save a transaction (in the app, by tapping "Save") shows the "Plan limit reached" window with two buttons: "OK" (close) and "Subscribe" — which navigates to the plan change screen where you can upgrade.
Business — based on team size. The Business plan has options for the number of seats (e.g., 10 / 25 / 50 members) at different prices — on the pricing page, this is a single "Business" card with a size selector: choose the one that fits your team. Features are the same across all options, only the maximum number of members and price differ. For teams larger than 50, there's the Enterprise plan (by request).

Reports by Plan

The Reports section is available to everyone, but some reports are unlocked on paid plans. In the report catalog, locked cards are marked with a lock icon and the name of the plan that unlocks them (e.g., "Plus →"):

Free — basic: cash flow, category breakdown, large transactions, account overview. Recurring payments are shown in a shortened format (without forecast).
Plus — advanced analytics (P&L, forecast, period comparison, treemap, heatmap, dynamics, cash/card, Sankey, Goals), "Net worth" report, and a full report on recurring payments with forecasts.
Family — everything from Plus, plus reports by member and currency exposure.
Business — everything from Family, plus custom dashboards.
Enterprise — everything from Business.

Downgrading a plan does not delete previously accumulated data — reports will become available again immediately after upgrading the plan.

Plan and AI — Two Separate Tiers

The subscription consists of two independent parts, and you have one tier active in each:

Plan: Free → Plus → Family → Business → Enterprise.
AI: none → Insights ($2.99) → Insights Pro ($5.99) — weekly/daily analysis and explanation of spending spikes.

This means "Plus + Insights Pro" is a normal combination: the plan and AI are purchased and renewed separately (they may have different billing dates and even different periods — e.g., an annual plan and a monthly AI subscription). Within a single tier "ladder", only one step is active: you cannot have Insights and Insights Pro simultaneously, and switching from month↔year on the same step is just a transition, not a second subscription.

Offline backup of attachments (receipt file backups) is a plan feature (Family and above), not a separate purchase: it is independent of the AI subscription.

Purchases within the mobile app work differently — the store handles the payment, and cancellations are also managed there. See a separate article: "Paying from the app".

Subscribing

In Settings → Plan, select the plan and period (month/year), then tap "Apply".
A secure payment page (Stripe) will open. Enter your card details.
After successful payment, the plan will activate at the next midnight (UTC), and the card will be saved for automatic renewal.

In a demo/test environment, payments may be simulated: the plan activates immediately, without a real card.

Only the team owner subscribes and pays.

Changing your plan mid-period

You can change your plan at any time — no need to wait until the end of the paid period. Upgrades take effect immediately, while downgrades take effect at the end of the current paid period. Two subscriptions will never exist simultaneously.

Upgrading — immediately, with a pro-rata payment. The new plan activates instantly, and you pay only the proportional difference for the remainder of the current period:

On the website (Stripe): we calculate the proportion — a credit is applied for the unused portion of the old plan, only the difference is charged, and the next billing date remains the same.
In the Android app (Google Play): the store replaces the subscription with pro-rata charges — the difference for the remaining period is charged, and the renewal date remains the same.
In the iPhone/iPad app (App Store): Apple activates the new plan immediately, refunds the unused portion of the old one, and charges for the new one — financially, it's the same difference.

Downgrading — at the end of the paid period. You remain on the current (higher) plan until the end of the already paid term, and only then switch to the selected plan — nothing is charged or refunded now. This applies to all methods: on the website, it's a "scheduled change" (visible in Settings → Plan, and can be canceled by selecting the current plan again); in the Apple/Google apps, downgrades are also postponed until the next renewal. Switching from year→month behaves like a downgrade (also at the end of the period), while month→year on the same tier acts as an upgrade (immediately).

Payment is always made by the store at the time of purchase confirmation (Face ID / fingerprint / store button), not when tapping "Apply" in the app — and only upon upgrading (no charge is made at the moment of change when downgrading).

Payment History

All charges and refunds are visible in Settings → Payments (payment history): amount, plan, period, date. The subscription status is also displayed there: next billing date, scheduled changes, and "card not linked" status.

Frequently Asked Questions

Who pays in a team? — The owner. Other members use the team's plan for free.

I'm in several teams with different plans — what's my plan? — The highest-tier plan among the teams you are an active member of applies.

What happens to my data if I downgrade/cancel? — Your transactions, accounts, and other records are not deleted — you simply won't be able to create new items beyond the new plan's limits. The only exception is backups: if the new plan stores fewer backups, excess copies are not immediately removed but are kept for another 7 days (they will have an "expires in N days" label in the backup list) — be sure to download or restore the needed ones before this period ends.

Will I be charged without my knowledge upon renewal? — Renewal is charged to the card you saved during your initial payment. If there's no card, renewal won't happen, and access will simply end. You receive a notification after each charge.

How do I change my card? — Settings → Plan, card panel → "Change card": a secure payment provider page will open. The linkage stores only a secure card token — card data is not stored on our servers.

How do I disable auto-renewal without canceling the subscription right now? — Unlink your card (Settings → Plan → "Unlink card"). The paid period will run until the end, and after that, the team will simply switch to the free plan.

Renewal, saved cards, and cancellation are covered in separate articles: "Auto-renewal and what happens if a payment fails", "Card for payment", "Canceling a subscription".

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