Subscription & Plans

Overview

Forbidden Finance offers four plans to match different stages of your financial journey. You can start with the Free plan and upgrade anytime as your needs grow. Every plan includes the core features: manual accounts, transaction tracking, and a customizable dashboard. Paid plans add bank connections, brokerage connections, advanced budgeting methods, multi-currency support, household sharing, and more.

You can view, change, or cancel your subscription at any time from the app settings.

What Each Plan Includes

Free

The free plan gives you a solid foundation for manual financial tracking:

• Up to 10 manual accounts (checking, savings, and credit card types)
• No bank connections — manual tracking only
• 2 budgeting methods (50/30/20 and Pay Yourself First)
• Your home currency + 1 more
• 6 months of transaction history
• Full dashboard with widgets
• Goal tracking, with 1 goal spending plan
• CSV and JSON import (YNAB, Mint, Monarch, generic)
• No ads, ever

Starter

Everything in Free, plus:

• Unlimited manual accounts
• Loan account type, plus bank-synced credit cards and loans
• 5 bank connections (daily, plus updates when your bank reports changes)
• 5 budgeting methods (Free's 2 plus Zero-Based, Envelope, and Kakeibo)
• Your home currency + 3 more
• 12 months of transaction history
• Net worth tracking (manual entry or computed from your connected accounts)
• Recurring transaction detection
• Up to 3 goal spending plans
• Premium Connection Packs available as an add-on (for HSAs, 529s, and workplace retirement recordkeepers)

Pro

Everything in Starter, plus:

• 15 bank connections (daily, plus updates when your bank reports changes)
• Brokerages & Investments rail — connect brokerages directly for read-only holdings, activity, and cost basis
• 1 Premium Connection slot (for HSAs, 529s, and workplace retirement recordkeepers)
• All 8 budgeting methods (Starter's 5 plus FIRE, Values-Based, and Custom)
• Investment and net worth tracking
• Assets and liabilities
• Cost-basis reconciliation between your brokerage and your edits
• 1 household partner
• Your home currency + 10 more
• 24 months of transaction history
• Up to 10 goal spending plans, plus absorption — a goal can pay for a purchase and keep it out of your budget
• Debt payoff tools (coming soon)
• All account types (including credit cards, loans, and investment accounts)

Premium

Everything in Pro, plus:

• Unlimited bank connections (household members inherit unlimited automatically)
• 3 Premium Connection slots (for HSAs, 529s, and workplace retirement recordkeepers)
• AI-powered insights (coming soon)
• API and AI-assistant connections for your own tools (limited beta) — see AI & API Connections
• Up to 5 users total — you plus 4 family members in a sharing grant
• Lend unused slots to household members — bank and Premium Connection pools lend independently; you keep your tier and your data stays private (see Slot Donation)
• Unlimited currencies
• Unlimited transaction history
• Unlimited goal spending plans
• Custom assets (vehicles, art, collectibles)
• Per-lot cost-basis tracking (FIFO, LIFO, Specific-ID) with tax-lot CSV export
• FIRE planning tools (coming soon)

Add-on Packs

Premium Connection Packs add extra Premium Connection slots on top of what your tier includes — handy when you need to connect more HSAs, 529s, or workplace retirement recordkeepers than your plan covers.

• Who can buy: any paid tier (Starter and above), including tiers that include no Premium Connection slots by default.
• Pack sizes: 1, 3, 5, or 10 additional slots.
• Owner-only: only the plan owner can purchase packs for the household.
• Managed on the web: buy and manage packs at app.403fin.io. Packs renew with your subscription and are canceled if you cancel your plan.

Packs add to the Premium Connections pool only — they do not change your bank-connection count, which is set by your tier. See Premium Connections for the full walkthrough.

How to View Your Current Plan

How to Upgrade

How to Downgrade

What Happens to Your Data on Downgrade

• Bank connections — If you have more connections than the new plan allows, you choose which ones to keep. Excess connections are paused, not deleted.
• Brokerage & Premium Connections — If the new plan includes fewer brokerage or Premium Connection slots than you are using, you choose which to keep; the rest are paused, not deleted. Any Premium Connection Packs you bought stay with you until you cancel them.
• Household sharing — If the new plan does not support sharing, a grace period applies before sharing is frozen, so members are not cut off abruptly.
• Transaction history — History beyond the new plan's limit is preserved but not visible until you upgrade again.
• Budget method — If your active method is not available on the new plan, you are prompted to switch to an available method.
• Currencies — Currencies backed by accounts you still hold are always kept. Currencies you reserved by hand over the new limit are released — during the downgrade you choose which to keep — and you cannot track new ones until you are within the limit. Transactions in any currency are unaffected.

No data is ever deleted when you downgrade.

How to Cancel

If you decide to cancel your subscription entirely:

1. Go to Settings > Subscription.
2. Tap Cancel Subscription.
3. Confirm. Your paid features remain active until the end of your current billing period, then you revert to the Free plan.

30-Day Money-Back Guarantee

Every paid plan includes a 30-day money-back guarantee. If Forbidden Finance is not a fit, cancel within 30 days of your initial purchase and you get a full refund automatically — no questions asked, no support ticket required.

• How to claim it: cancel from Settings > Subscription within 30 days of your first paid charge. The refund is initiated automatically and lands on your original payment method within 5 to 10 business days.
• What counts as initial purchase: the first time you upgrade from Free to any paid tier, or move between paid tiers. Renewals are not eligible for the 30-day guarantee on their own — the clock starts at first paid charge.
• Beyond 30 days: contact [email protected] and we will review on a case-by-case basis. We are reasonable about partial refunds when you have not actively used the paid features.

Switching Plans Mid-Cycle

You can switch tiers at any time. Upgrades take effect immediately and are pro-rated against the time remaining in your current billing period. Downgrades take effect at the end of your current billing period so you keep what you paid for.

There are no trials — the 30-day money-back guarantee covers that ground without the friction of a separate trial flow.

For billing disputes or questions about charges, contact us at [email protected].

Tips

Frequently Asked Questions

Can I try a higher plan before committing?

Forbidden Finance does not offer free trials. Instead, every paid plan comes with a 30-day money-back guarantee — upgrade with confidence, and if it is not for you, cancel within 30 days for a full refund.

Will I lose my data if I cancel?

No. Canceling reverts you to the Free plan. Your data is preserved, but features beyond the Free tier are no longer accessible until you upgrade again.

Can I switch plans mid-billing cycle?

Upgrades take effect immediately with prorated billing. Downgrades take effect at the end of your current billing period.

Where can I see pricing?

Current pricing is available in the app on the plan comparison screen and on the Forbidden Finance website. The help center does not list prices because they may vary by region and promotional offers.

I installed the Android app from dl.403fin.io — where are the purchase buttons?

Builds installed outside an app store (sideloaded APKs and some beta builds) cannot sell subscriptions in-app. Manage your plan on the web at app.403fin.io — an active subscription appears in the app automatically, whichever way you installed it.

Why is my next bill $0? / What is the "A little something extra" notification?

Occasionally our support team grants a goodwill gesture — a free month, or a complimentary connection pack. You'll get an email and a push notification when that happens, and the gesture shows as a $0 line on the relevant invoice. Complimentary packs never auto-renew into a paid charge: if one is about to expire, the app shows a banner up to 30 days ahead so you can decide whether to keep the slots.

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Need more help? Contact us at [email protected].