Downgrading is the mirror image of upgrading, with a couple of small but important differences.
The click path is the same — one button on the Subscription tab — but the change is scheduled rather than immediate, and the app does a quick "will this even fit?" check before letting you commit, so you don't end up paying for a tier whose limits you can't satisfy.
This article walks through both pieces.
Where to downgrade
The downgrade controls live in the same place as upgrades: 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. The tiers below your current one each have their own card with a downgrade button at the bottom.
Click the downgrade button on the tier you want and confirm.
That's the click flow. Whether it actually goes through depends on the limits check, covered below.
Downgrades are scheduled, not immediate
This is the most important thing to know.
When you confirm a downgrade, the new plan is queued to take effect at the start of your next billing period. Until then, you stay on your current plan, with your current limits, your current features, and the price you've already paid for.
A few practical consequences:
The change isn't free up front. Whatever you've already paid for the current period stays yours to use for the rest of it. You don't get a partial refund for downgrading "early."
The new, lower price kicks in at the next regular billing date — the same date you'd have been charged anyway, just at a different amount.
A yellow banner appears at the top of the Subscription tab once the downgrade is scheduled, showing the date the change takes effect.
You'll also get a "downgrade scheduled" email confirming the date.
Only one pending change at a time
Once a downgrade is queued, further plan changes are paused until the downgrade applies. The yellow banner that appears includes a "contact support" instruction, and that's why: while a change is pending, you can't queue another one through the Subscription tab.
This includes:
Switching to a different tier than the one you've scheduled.
Upgrading back to your current plan to "cancel" the pending downgrade.
Changing billing interval.
If you change your mind during this window, the way out is to email support and let us know. We can reverse the pending downgrade so you stay on your current plan, after which the Subscription tab is back to normal and you can make a different decision if you want.
If you do nothing, the downgrade applies on the scheduled date and the Subscription tab unlocks itself the moment it does.
The "will this fit?" check
Before the app schedules the downgrade, it does a quick comparison: do your current items and transactions actually fit inside the new tier's limits? If not, the app stops you and tells you what's blocking the move.
The two things checked are:
Inventory items. Your current count of held items vs the new tier's cap.
Transactions. Your total transactions vs the new tier's cap.
If either count is above the new tier's limit, you'll see a Cannot Downgrade Yet dialog telling you exactly where you stand: how many items or transactions you currently have, what the new tier's limit is, and how many you'd need to clear to fit.
Worked example. You're on Pro (1,000 items, 250 transactions) and you click the downgrade button on Starter (30 items, 10 transactions).
If you've got 77 held items and 22 transactions on the account, the dialog will tell you something like: "Remove 47 items to proceed with the downgrade. Remove 12 transactions to proceed with the downgrade."
The downgrade isn't scheduled. Your subscription stays on Pro, untouched.
The dialog is informational — there are no jump links to the Holdings or Transactions pages from inside it. Close it, navigate to the page that needs trimming, do the work, and try the downgrade again.
A small caveat worth being honest about: clearing the overflow usually means deleting transactions, which has knock-on effects on inventory.
Deleting a BUY transaction removes the inventory items it created; deleting a SELL transaction restores the affected items to held.
The full mechanics are covered in Deleting a buy transaction and Deleting a sell transaction — worth a quick read before you go pruning if you've got a complex stack.
What about custom products and other data?
Worth knowing what's preserved and what's restricted when the downgrade applies:
Custom products you've created remain on your account. Anything you built — bespoke bars, regional coins, anything our built-in catalog doesn't cover — stays where it is. Existing inventory tied to a custom product keeps working normally.
On Starter, you can no longer create new custom products. Custom bullion items remain available on Pro and Premium. If you downgrade to Starter, your existing custom products are kept (and you can keep using them in transactions if you have headroom under the new caps), but the form for creating new ones is gated.
Your data stays intact. Transactions, holdings, dealer entries, display preferences — nothing is deleted by a downgrade. The lower tier just enforces lower caps from then on.
What gating the new tier actually does
After a downgrade applies, the new tier's caps are enforced on new activity, not on existing data. In practice:
You can't record new transactions or add new inventory items that would push your totals back above the new tier's limit.
Existing items and transactions that you already have are unaffected — they remain in your account whether they're "above" some past cap or not.
In other words, a downgrade reduces what you can add from this point on. It doesn't retroactively trim what you've already built.
Reversing a pending downgrade
If you've scheduled a downgrade and changed your mind before it applies, contact support and we'll reverse it for you. Once that's done, the yellow banner clears, the Subscription tab unlocks, and you can make a different choice if you want — including doing nothing and staying on your current plan.
If the downgrade has already applied and you regret it, the answer isn't really "reverse" — it's "upgrade back," which is its own one-click flow on the Subscription tab and is covered in Upgrading your subscription.
Where to go next
The three plans compared: Starter, Pro, Premium: The side-by-side, including the exact limits on each tier.
Upgrading your subscription: The immediate-effect direction.
Choosing a plan after your trial: the broader picture of plan decisions around day 14.
Deleting a buy transaction: What happens to inventory items when you remove a buy.
Deleting a sell transaction: What happens to items that get restored to held.
[Cancelling your subscription]: The bigger step, if downgrading isn't far enough.