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, 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 and savings types)
• 2 budgeting methods (50/30/20 and Pay Yourself First)
• 1 currency
• 6 months of transaction history
• Full dashboard with widgets
• Goal tracking
• CSV and JSON import (YNAB, Mint, Monarch, generic)

Starter

Everything in Free, plus:

• Unlimited manual accounts
• 2 bank connections with Plaid (daily sync)
• 5 budgeting methods (Free's 2 plus Zero-Based, Envelope, and Kakeibo)
• Up to 3 currencies
• 12 months of transaction history
• Recurring transaction detection

Pro

Everything in Starter, plus:

• 5 bank connections (hourly sync)
• 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 Plaid and your edits
• 1 household partner
• Up to 10 currencies
• 24 months of transaction history
• Debt payoff tools (coming soon)
• All account types (including credit cards, loans, and investment accounts)

Premium

Everything in Pro, plus:

• 10 bank connections (real-time sync)
• AI-powered insights (coming soon)
• API access for custom integrations (coming soon)
• Up to 5 household members in a sharing grant
• Lend unused bank-connection slots to other 403Fin users — they connect their own banks; you keep your tier and your data stays private (see Slot Donation)
• Unlimited currencies
• Unlimited transaction history
• Custom assets (vehicles, art, collectibles)
• Per-lot cost-basis tracking (FIFO, LIFO, Specific-ID) for tax purposes
• Add-on packs (additional bank connections)
• FIRE planning tools (coming soon)

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.
• Household sharing — If the new plan does not support sharing, a 14-day grace period applies before sharing is frozen.
• 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 — Excess currencies are kept but you cannot add new ones until you are within the limit.

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 support@403fin.io 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 support@403fin.io.

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.

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Need more help? Contact us at support@403fin.io.