Managing Your Subscription

After your initial subscription, you can manage everything from the Billing page — change your plan, switch billing intervals, update your payment method, or cancel. Most actions are handled through the Stripe Customer Portal, which opens in a new tab.

Go to Billing by clicking your name in the bottom-left sidebar and selecting Billing.

Viewing your current plan

The top of the Billing page shows your current subscription details:

Label	What it shows
Plan	Your plan name and status (Active, Past Due, etc.)
Billing	Monthly or Annual
Next renewal	The date your subscription renews and you'll be charged
Auto-renewal	On (renews automatically) or Off (cancels at period end)
Includes	Your active file limit and template access

Changing billing interval (monthly ↔ annual)

You can switch between monthly and annual billing at any time.

Switching to Annual:

On the Billing page, set the toggle to Annual
Find your current plan and click Switch to Annual
Complete checkout in Stripe — you'll be charged the annual price immediately
Your monthly subscription is canceled and replaced with the annual one

Switching to Monthly:

Set the toggle to Monthly
Find your current plan and click Switch to Monthly
This opens the Stripe Customer Portal where you can make the change
The switch takes effect at the end of your current billing period

Upgrading your plan

See Upgrading Your Plan for the full flow. In short: go to Billing, select the plan you want, and click Upgrade Your Plan. You're charged the prorated difference for the rest of your billing period.

Downgrading your plan

Downgrades take effect at the end of your current billing period — you keep access to your current plan's features until then.

To downgrade, click Downgrade Your Plan on the lower-tier plan card. This opens the Stripe Customer Portal. The downgrade is scheduled and you'll see a confirmation.

What happens to your data when downgrading:

Downgrading from	To	Effect
Pro → Starter	Starter	Custom templates remain but you can't create new ones. Reminders stop.
Pro or Starter → Free	Free	Files over the 1-file limit remain accessible; you can't create new ones until you're within the limit. Premium branding settings are saved but hidden in the portal.

Nothing is deleted — your data is preserved if you re-upgrade later.

Updating your payment method

Click Manage billing on the Billing page to open the Stripe Customer Portal. From there you can:

Add or replace a credit/debit card
Update billing address
Download past invoices and receipts

The Manage billing button is visible whenever you have an active Stripe subscription or customer record.

Canceling your subscription

To cancel:

Click Manage billing on the Billing page
In the Stripe Customer Portal, find the cancellation option
Confirm the cancellation

After canceling:

You keep access to your paid plan features through the end of the current billing period
After the period ends, your account reverts to the Free plan (1 active file, W2 template only)
Your data is preserved — existing loan files, templates, and borrower uploads are not deleted
You can re-subscribe at any time to regain access to paid features

Your Billing page will show Auto-renewal: Off — cancels at period end after you cancel, so you can confirm the cancellation took effect.

Subscription statuses

Status	What it means
Active	Subscription is current and features are fully available
Trialing	In a free trial period
Past due	Payment failed; subscription may be suspended if not resolved
Paused	Subscription is paused
Canceled	Subscription was canceled; reverts to Free at period end
Unpaid	Invoice remains unpaid; access may be restricted

If your subscription shows Past due or Unpaid, click Manage billing to update your payment method. Stripe retries failed payments automatically.

Next steps

Free, Starter, and Pro — plan comparison and feature details
Upgrading Your Plan — step-by-step upgrade guide