Upgrading is the easy direction. One click, instant new limits, instant access to whatever the higher tier unlocks.
The only nuance is the billing maths, and even that comes down to two rules depending on whether you're still on your 14-day trial or already on a paid subscription.
This article covers the click path and what shows up on your card.
Where to upgrade
The upgrade controls live on the Subscription tab of your Settings page.
From the left nav, click Settings.
Click the Subscription tab.
Look at the cards to the right of your Current Plan. Each higher tier has its own card showing the price, a short feature summary, and an upgrade button at the bottom.
Click the upgrade button on the tier you want and confirm.
That's the whole flow. You don't need to leave the app, you don't need to re-enter card details, and you don't need to wait for a new billing cycle. The new tier is yours the moment the confirmation goes through.
What happens the moment you upgrade
Three things happen, in this order, within a second or two of confirming:
Your limits expand. Portfolio cap, inventory item cap, and transaction cap all jump to the new tier's numbers immediately. If you'd been bumping against the old tier's limit, the headroom is there right away.
Any gated features unlock. Advanced Analytics is now available if you moved up from Starter. Bulk CSV Upload and the Tax-ready Annual Report are now available if you moved up to Premium.
Your billing is reconciled. What the card on file gets charged depends on whether you're upgrading during a trial or after — covered in the next two sections.
Your data — every transaction, every coin and bar, every custom product, every setting — sits exactly where it was. Upgrades only change what's available, not what already exists.
Upgrading during your free trial
If you're still inside the 14-day trial when you upgrade, the card on file is not charged. Nothing has been billed yet, so there's nothing to prorate.
A few practical points:
The trial clock keeps running on the same 14 days. Upgrading mid-trial doesn't restart the timer, and it doesn't extend it either.
You get the new tier's full feature set for the rest of the trial period.
On day 14, the card is charged for the first billing period of the new plan — at the new plan's price.
Mid-trial upgrades are the lowest-risk way to test a higher tier. Picked Starter at signup and curious about what Premium would actually look like? Upgrade on day 5, use the rest of the trial at Premium, and decide which one to land on before the trial ends.
If Premium isn't worth it, downgrade back before day 14 and the card never sees the higher price.
Upgrading on an active paid subscription
If your trial has already ended and you're on a paid plan, an upgrade is prorated. You're charged the difference between the two plans for the remaining portion of your current billing period, right away, and the next regular charge is at the new plan's full price.
Worked example. You're on Starter at $7/month. You're halfway through your current billing period when you upgrade to Pro at $15/month.
The remaining half of the period would have been $3.50 at Starter.
The remaining half at Pro would be $7.50.
You're charged the difference today: $4.00.
On your next regular billing date — the same date as before, no schedule shift — your card is charged the full $15 for Pro, and from then on it's regular monthly billing at $15.
The same maths applies for any tier-to-tier move (Pro to Premium, Starter to Premium, and so on) and for annual upgrades — Stripe figures out the proportion of the year remaining and charges accordingly.
You'll see a separate line on your next Stripe receipt for the prorated upgrade charge.
What an upgrade doesn't change
A few things are deliberately left alone:
Your billing date. Upgrading doesn't reset your monthly or annual cycle. The renewal date stays where it was.
Your billing interval. If you were on monthly, you're still on monthly. If you were on annual, you're still on annual. To swap interval as well as tier, do the tier upgrade first and then switch interval from the Stripe billing portal — see [Switching between monthly and annual billing].
Your payment method. The card already on file is the one charged. No re-entry required.
Your data. Transactions, holdings, custom products, dealer entries, preferences — all unchanged. You're just unlocking more headroom and more features on top of what you already have.
A note on going the other direction
If you upgraded and then decided it was a bit too much, you can downgrade from the same Subscription tab. Downgrades behave a little differently from upgrades — they're scheduled rather than immediate — which is covered in [Downgrading your subscription].
Where to go next
The three plans compared: Starter, Pro, Premium: The side-by-side, if you're weighing which tier to land on.
Choosing a plan after your trial: The broader picture of plan decisions around day 14.
[Downgrading your subscription]: The mirror-image article for going down a tier.
[Switching between monthly and annual billing]: The click path for capturing the 18% annual saving once you've settled on a tier.
[Viewing past invoices and receipts]: Where to find the line item for a prorated upgrade charge.