Billing & Subscription
Manage your subscription plan, billing interval, and usage limits.
Accessing billing
Go to Settings → Billing in the sidebar.
Plans
| Plan | Monthly | Annual | Net worth cap | Instrument pockets | API calls / month |
|---|---|---|---|---|---|
| Free | $0 | — | $100,000 | 3 | None |
| Starter | $7/mo | $50/yr ($4.17/mo) | $500,000 | Unlimited | 1,000 @ 2 req/s |
| Growth | $15/mo | $120/yr ($10/mo) | $1,000,000 | Unlimited | 3,000 @ 10 req/s |
| Enterprise | $30/mo | $240/yr ($20/mo) | Unlimited | Unlimited | 50,000 @ 50 req/s |
Annual pricing discounts: ~40% off Starter, ~33% off Growth and Enterprise.
What each limit controls
- Net worth cap — total assets minus liabilities in your primary currency (liabilities display as negative owed amounts, so this equals the plain sum of all account balances). If you exceed it, actions that affect net worth calculations are blocked by the app until the next billing period. These limits are enforced client-side by the application — the server does not validate them.
- Instrument pockets — pockets tracking an instrument symbol (e.g. stock, crypto). On the free tier you get three; paid tiers lift the limit.
- API rate limits — requests per second token bucket. Applied per-user on the server using distributed counters (Upstash Redis).
Subscribing
Payments are processed by Paddle, which handles card, PayPal, and other regional payment methods. WealthMgr never stores your card details.
- Go to Settings → Billing.
- Select Monthly or Annual.
- Click the plan you want.
- Complete the Paddle checkout flow.
- Your plan activates within a few seconds.
The billing page polls for activation for up to 30 seconds. If nothing changes after that, refresh manually.
Changing plan
Select a different plan from the Billing page. Upgrades take effect immediately with Paddle-computed proration; downgrades are scheduled and take effect at the end of the current billing period.
Cancelling
Click Cancel subscription at the bottom of the Billing page. Your paid features remain available until the end of the current billing period. After that, your account returns to the free tier.
When you lose paid status, cloud sync stops. Your local data is not affected — it stays on your device. Your per-user cloud database is kept for a grace period and then removed.
Admin-granted plans
Rarely, a plan is granted directly by the WealthMgr team instead of through Paddle — for example while helping you evaluate a paid tier. Granted plans are time-limited: they run for the duration stated when the grant is made (one month, one year, or no expiry). When a granted period ends, it behaves exactly like a cancellation: the account returns to the free tier and cloud sync stops the same way, including the grace period before the per-user cloud database is removed. There is no invoice and no payment method involved — the Transactions section only shows real Paddle payments.
Updating payment method
Click Update payment method to open a Paddle-hosted management page where you can change your card, bank details, or other options.
Transaction history
The Transactions section below shows your payment history. Click the invoice icon on any row to download a PDF receipt.
Free tier limits
The free tier gives you core wealth tracking with no cloud required:
- Local-only storage (private by default, no data leaves your device).
- Net worth tracked up to $100,000.
- Three instrument-tracking pockets for stocks and crypto.
- Rules, alerts, and projections all work without a paid plan.
- No API access.
If you need more capacity, upgrade from the Billing page. To back up your data without syncing, export your database from Settings → Export.