Choosing a plan after your trial

"Choosing a plan after your trial" is a bit of a misnomer — you've already chosen one. The plan you picked when you signed up is the plan that activates on day 14, and if it's still the right fit, you don't need to do anything at all.

The card on file gets charged, your account transitions from "trialing" to "active," and you carry on.

This article is for the situations where you'd like to change something — bump up a tier, drop down a tier, or swap to annual billing to capture the 18% saving. All of that lives in the Subscription tab of Settings.

By default, the trial just becomes a paid subscription on day 14:

Nothing in the app feels different — same dashboard, same data, same feature access. Only the billing relationship has changed.

If you're happy with the plan you trialled, this article ends here for you. The rest is for anyone whose 14-day test drive has changed their mind about which plan they want.

Plan changes live on the Subscription tab of your Settings page.

The page is laid out as a single place for all subscription decisions:

Three common moves from this screen are worth knowing about individually.

If you used the trial on Starter or Pro and decided you need more capacity — more portfolios, more items, more transactions, or the features that come with the bigger tier — moving up is a single click.

Upgrades take effect immediately. Stripe handles the math behind the scenes: you're prorated for the days remaining in the current billing period at the new price, so you only pay the difference. The new tier's limits and features are available right away.

For the longer write-up on what changes when you upgrade, see [Upgrading your subscription].

If you tried a higher tier during the trial but realised it's more than you need, downgrading is the mirror image — same column, same single click.

There's one important difference from upgrades: downgrades are scheduled, not immediate. You keep your current plan's features and limits through the end of the period you've already paid for, and the downgrade applies at the start of the next billing cycle.

A yellow banner at the top of the Subscription tab will appear once the downgrade is scheduled, showing the date the change takes effect.

While a downgrade is pending, further plan changes are paused. If you change your mind before the scheduled date and want to keep your current plan, contact support and we'll reverse it.

If your usage exceeds the new tier's limits when the downgrade applies (more portfolios, more items, or more transactions than the lower tier allows), the app stops you from adding new ones above the cap but it doesn't delete anything you've already recorded. See [Downgrading your subscription] for the full mechanics.

If you've decided to stay and you trust you'll be around for a year, switching from monthly to annual on the same plan saves roughly 18% — equivalent to about two months free.

This change happens through the Stripe billing portal rather than the inline cards in the app:

The dollar amount you save depends on which plan you're on:

You can flip back to monthly later from the same portal if your circumstances change.

Whenever it makes sense. There's no special "decision window" between day 14 and the start of paid billing — the Subscription tab is the same place whether you're on day 3 of your trial or day 130 of your subscription.

One small caveat worth mentioning, though: if you're still in the trial and you don't want the wrong plan to be charged at day 14, make the tier change before day 14.

The plan you have at the moment the trial ends is the one that gets the first payment. Easier to set it correctly in advance than to adjust afterwards.