Every Gold Silver Ledger plan is offered as either monthly or annual billing, and you can switch between them at any time.
Annual billing saves 18% — roughly two free months a year compared to paying monthly — so the most common reason to switch is to capture that saving once you've decided you're sticking around.
This article covers where to make the switch, what changes when you do, and the two flavours of switch — staying on the same plan, or combining the switch with an upgrade or downgrade.
Where to switch
The control lives on the Subscription tab of your Settings page.
From the left nav, click Settings.
Click the Subscription tab.
Use the Monthly / Annual toggle at the top of the plan cards to flip the view to the interval you want.
The tier cards on the right update to show prices for the selected interval — so when you flip the toggle to Annual, the Starter, Pro, and Premium cards now show their annual prices and annual switch buttons.
From there, two paths:
To switch to the same plan you're already on (just changing interval), click the button on your current tier's card with the new interval shown.
To switch interval AND change plan at the same time, click the button on a different tier's card with the new interval shown.
Either way, it's one click and a confirmation.
Switching the same plan from monthly to annual
This is the most common move — you've been on monthly, you've decided to stay, and you want the 18% saving.
What you save depends on the plan:
Starter: $7/month × 12 = $84/year on monthly; $69/year on annual — saving roughly $15/year.
Pro: $15/month × 12 = $180/year on monthly; $149/year on annual — saving roughly $31/year.
Premium: $39/month × 12 = $468/year on monthly; $379/year on annual — saving roughly $89/year.
When you switch from monthly to annual on the same plan, the change behaves like an upgrade: it takes effect immediately, you pay the annual price for the year ahead (with a credit applied for the unused portion of your current monthly period), and your renewal date shifts to a year out.
Nothing about the plan itself changes — same tier, same limits, same features, same data. The only difference is the rhythm of the charge.
Switching the same plan from annual to monthly
The reverse direction works too. If your circumstances have changed and you'd rather not be on the annual commitment going forward, you can flip back to monthly on the same plan.
In this direction, the switch behaves like a downgrade: it's scheduled for the end of your current annual period rather than immediately.
You keep using the plan you've already paid for through to the end of the year, and from your next renewal onwards you're billed monthly.
A few practical points:
No partial refund. The unused portion of the year you've paid for isn't returned to you — you still have access to it.
A pending-change banner appears on the Subscription tab once the switch is scheduled, similar to the pending-downgrade banner. While that's showing, further plan changes are paused; reverse it by contacting support if you change your mind before the scheduled date.
Once the scheduled date arrives, you're on monthly billing and the Subscription tab is back to normal.
Combining a switch with an upgrade or downgrade
If you want to change tier and change interval at the same time, you don't have to do it in two steps.
Flip the Monthly / Annual toggle to the interval you want.
Click the upgrade or downgrade button on the tier you want.
The two changes are applied together. A tier upgrade with an interval swap to annual is treated as one upgrade — immediate, prorated, and you're on the new tier and the new interval right away.
A tier downgrade with an interval swap (in either direction) is scheduled, like any other downgrade.
The "Will this fit?" check for downgrades still applies. If you're combining a downgrade with an interval swap and your current items or transactions exceed the lower tier's limits, the Cannot Downgrade Yet dialog will show, and the switch won't be scheduled until you've trimmed back.
See Downgrading your subscription for the specifics.
What an interval switch doesn't change
A short list, because a few of these are common worry-questions:
Your data. Transactions, holdings, custom products, dealers, preferences — everything stays exactly as it is. Switching billing interval is purely a billing change.
Your feature access. Whatever you had on monthly is what you have on annual at the same tier. Same dashboards, same exports, same gated features.
Your sign-in. Your email, password, and session are untouched.
Your payment method. The card already on file is used for the next charge — whether that's an immediate prorated upgrade or a future annual renewal.
When the saving makes sense
The 18% saving is real, but it's a commitment. A few honest framings to help decide:
If you've been on monthly for more than a couple of months and you're still using the app, switching to annual is usually the right move — the saving has paid for itself by month 11 of the year, and any month before that you've been on the cheaper monthly basis is fine.
If you're brand new and unsure, monthly is the right starting point. The trial is meant to be your "is this worth it?" test, and you can always switch to annual later once you're confident.
If you've considered cancelling, do that first, decide where you stand, and then come back to the switch.
Where to go next
The three plans compared: Starter, Pro, Premium: The side-by-side, including both monthly and annual pricing.
Upgrading your subscription: The longer write-up on what an upgrade does to your billing.
Downgrading your subscription: Including the "Cannot Downgrade Yet" check that also applies when interval switches go with a downgrade.
[Updating your payment method]: For changing the card on file, especially worth doing before an annual renewal.
[Viewing past invoices and receipts]: Where the prorated line items show up on Stripe receipts.