Plans & Billing

WorthSync has three plan tiers. Billing is handled securely by Stripe.

Plans at a glance

Feature	Solo (Free)	Household	Vault
Private accounts & unlimited snapshots	✅	✅	✅
Dashboard, trends & insights	✅	✅	✅
Debt Center & net-worth projection	✅	✅	✅
CSV export	✅	✅	✅
Snapshot reminders	✅	✅	✅
Goals	✅ (single)	✅ (multiple)	✅ (multiple)
Shared & household accounts	❌	✅	✅
Monthly recap email	❌	✅	✅
Narrative insights	❌	✅	✅
Institution breakdown	❌	✅	✅
Monte Carlo projections	❌	✅	✅
FIRE calculator	❌	✅	✅
Retirement income planner	❌	❌	✅
Market benchmarking	❌	✅	✅
Multiple goals	❌	✅	✅
Annual summary export	❌	✅	✅
Public API & webhooks	❌	✅	✅
Encrypted vault	❌	❌	✅
Tangible asset vault	❌	❌	✅
Insurance tracking	❌	❌	✅

See current pricing for the Household and Vault plans on the pricing page.

How tiers work

Your plan is set at the household level. When any member of your household has an active subscription, the whole household gets that tier (the highest active tier across members wins).
You don’t need to create a household first. Every account already has a personal household, so you can subscribe immediately.
A solo (single-member) free household behaves like the classic solo tier: private accounts only, no recap — but it can upgrade at any time.

Upgrading

Go to Pricing.
Choose Household or Vault.
You’ll be taken to Stripe Checkout to enter payment details.
On success, your tier updates automatically and the new features unlock.

Managing your subscription

Use the billing portal (linked from settings/pricing) to update your payment method, change plans, or cancel. The portal is Stripe’s secure hosted page.

If support gave you a complimentary code, redeem it on the comp screen (/comp). Valid codes grant the corresponding tier for their duration. A comp grant always takes precedence over your subscription-derived tier while it’s active.

Referring another household

Settings → Refer a household gives you a referral code that looks like REF-XXXXXXXX. Choose Copy to share it, and watch Rewards given and Codes used to see how it’s doing.

To use someone else’s code, paste it under Redeem a code and choose Apply. Both households are rewarded, and each side’s reward depends on what that household is already paying:

Your household	What you get
On the free plan (or on a comp)	30 days of Household access, added to the end of any comp you already have.
On a paid subscription	A $4.00 billing credit applied to your Stripe account.

A few limits:

Your household can redeem one referral code, ever.
You can’t redeem your own household’s code.
A code stops working once it’s revoked.

Downgrades and your data

If you cancel or downgrade:

Your data is never deleted by a downgrade.
Higher-tier features become read-only or hidden, but you can still view and export everything (data portability is intentional).
Shared accounts may revert to private behavior on the free tier.

Common billing questions

Will my partner be charged too? No — one active subscription in the household covers the whole household.
What happens when a comp expires? Your tier reverts to whatever your Stripe subscription provides (often free), automatically.
How do I get a receipt? Stripe emails receipts; you can also find invoices in the billing portal.

Households & Sharing Data, Export & Privacy