Two ways in
From Settings. Go to Settings → Subscription, choose the plan, choose monthly or annual, and confirm. Your new plan is active immediately; there is no need to sign out or reload.
From wherever you hit the limit. When you try something your plan does not include, Finthy shows an upgrade dialog right there rather than sending you off to hunt for the pricing page. Common triggers are the Connect automatically card on a free plan, Split Transaction, a third bank connection, or a data export.
Start with the trial
Every paid plan offers a 14-day free trial with no card. If you have not used it, take it rather than paying straight away: no card means nothing can charge you by accident, and you keep access for the full fourteen days whatever you decide.
What unlocks immediately
Going from Free to Plus:
- Automatic bank sync for the United States and Canada. Your existing manual banks stay as they are; when you connect the same bank automatically, Finthy offers Move accounts and your history moves across.
- Your full transaction history, instead of the last 90 days. Nothing was deleted while you were on Free; the older transactions were there and hidden, and they reappear.
- Custom categories, data export to CSV and Excel, and a shared space for 2.
- Room for 4 bank connections, 10 accounts, and 2 statement imports per account each month.
Going on to Pro adds transaction splitting, crypto auto-pricing, a space for 5 people, and priority support, with 10 connections and 30 accounts.
Business adds unlimited spaces of 25, API access with personal access tokens, a dedicated account manager, phone support and a 99.9% SLA.
Paying for the year
Annual billing saves about 17%: $99 for Plus, $249 for Pro, $799 for Business, against $9.99, $24.99 and $79.99 a month.
You can switch between monthly and annual later. Change Plan in Settings handles it.
Changing plan part way through
Our payment provider prorates, so moving up mid-cycle charges the difference rather than a fresh full price, and the unused part of what you already paid is credited.
If you are already on the highest plan
Settings tells you: “You’re on the Best Plan!”. If Business still is not enough, use Contact sales rather than stacking subscriptions.
Why your limit did not change
Two things catch people out.
- Limits belong to the space, not to you. Upgrading your own plan does not raise the limits of a space someone else owns. The owner’s plan governs that space.
- A shared space needs a plan that includes one. Free has none, Plus and Pro have one each, Business has unlimited. Joining someone else’s space, however, is always free.