How do I downgrade to the free plan? What features will I lose?
To downgrade to the free plan:
- Go to Settings → Subscription
- Click "Downgrade to free" (or simply select the Free plan)
What you keep on the free plan:
- Multi-asset net worth tracking (unlimited accounts)
- Full retirement & scenario planning
- Portfolio assessment
- Fund & stock discovery tools
- Estate Planning Checklist
What requires a paid plan:
- Gold and above: personalized investing recommendations, hidden fee detection, tax impact & tax-saving opportunities, AI Assistant (limited)
- Platinum and above: Fee Optimization, tax-efficient distribution advice, AI Assistant (unlimited), AI Equity Research, custom future simulations, multiple real estate properties
- Pro only: 1:1 quarterly expert call, private equity modeling, liquidity & cash-flow analysis, multi-user login, email document import
Your data, connected accounts, and portfolio history are all preserved - you simply lose access to the premium tools. You can resubscribe at any time and pick up exactly where you left off.