Free forever. Premium when you want more.

Forever. Every account gets a 30-day free trial of Premium when it's created, but once that ends (or if you never subscribe), the account keeps working as a full Free-plan account — local planning, unlimited accounts and transactions, up to a 180-day horizon — indefinitely, with no feature countdown.

Without it, your planner lives only on the device you entered it on. With Premium, signing in keeps your planner in sync between your phone and computer automatically — edit on either device and it appears on the other within seconds when you're online.

Nothing is deleted. Your local planner on the device you're using keeps working exactly as before — you just move to the Free plan: cross-device cloud sync, the extended horizon, and the bill digest email turn off until you resubscribe. If you were relying on sync, export a backup from Settings before your Premium period ends so you have a copy on every device you use.

Yes — cancel anytime from the billing portal, linked from Settings in the app. You keep Premium access until the end of the period you already paid for.

No. Creating an account and using the app — including your 30-day Premium trial — never requires a card. You only enter payment details if you choose to subscribe.

Only if you're on Premium and you've turned the digest on in Settings. Free-plan planners never leave your device in the first place, so there's nothing for that feature to read. See the privacy policy for details.