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Subscription & billing

FinNudge has two paid tiers, Plus and Pro, and starts every new account with a 7-day free trial. Pick what fits, change anytime.

The tiers at a glance

  • Spark: free. Manual entry, one connected bank, and joining a Circle to split shared bills.
  • Plus: $4.99/mo or $39/yr. All your connected banks, all dashboard cards, savings goals with surplus allocation, all 6 AI agents, custom categorization rules, monthly email reports, creating your own Circles, and a shared Household with your partner.
  • Pro: $9.99/mo or $95.88/yr. Everything in Plus, plus: the full Household dashboard and analytics, higher AI usage limits, and direct support from the team.

CSV export is free on every plan: you always own your data.

For the full feature comparison see the pricing section on the homepage, or the in-app feature matrix at Settings → Features.

Free trial

Every new paid account starts with a 7-day free trial. Your card is collected at signup but not charged for 7 days. Cancel anytime before day 7 from Settings → Subscription and you pay nothing.

Upgrading

Click Upgrade from any blocked feature, the upgrade banner on the dashboard, or Settings → Subscription. Payment runs through Stripe. We never store your card details. Upgrades take effect immediately with prorated billing.

Downgrading or canceling

From Settings → Subscription you can switch between Plus and Pro, or cancel entirely. Both flows go through the Stripe customer portal where you can also update your card, download invoices, and view your billing history.

When you cancel, you keep paid features through the end of your current billing period. After that, access to paid features stops; your data is preserved.

What happens to my data when I cancel?

Nothing is deleted automatically. Tier-locked features stop working (paid agents stop firing) but every transaction, goal, budget, and rule stays, and CSV export stays available so you can always take your data with you. Everything else stays exactly as it was. Re-subscribe and everything reactivates instantly.

If you want a complete deletion, use Settings → Account → Delete Account or the public privacy request form.

Refunds

Refunds are reviewed on a case-by-case basis (duplicate charges, accidental purchases, billing errors, technical service failures). See the full Billing Policy for details.

Invoicing & receipts

All invoices are emailed automatically and available in the Stripe customer portal. For business or VAT invoices with a company name, use Update billing details in the portal.

Questions?

Email billing@finnudge.money for any billing question. We read every one.