You can move between Grow, Thrive and Thrive Duo, or change what you pay each month, whenever you like.
Change your plan
Open Membership
Go to Membership in Settings. On a phone, tap More, then Settings.
Choose the plan you want
Each other plan's card has a button such as Upgrade to Thrive or Switch to Grow.
Check the details
A panel opens with the billing picker, the price (on monthly billing, a slider for your amount) and what the plan includes.
Confirm
The button says what happens and when, for example Upgrade to Thrive at $140 a year or Switch to Grow when your year ends.
Change your monthly amount
Show monthly prices
On Membership, set the picker above the plans to Monthly billing.
Choose Change amount
It's on your own plan's card.
Pick your new amount
Move the slider to any whole-dollar amount in your plan's range. On Thrive and Thrive Duo you can type a higher amount under Other amount.
Confirm
The button names your new amount, for example Save $12 a month. It applies right away.
On yearly billing the price is fixed, so there's no amount to change.
When a change takes effect
Change | When | What you're charged |
|---|---|---|
Any plan or amount change on monthly billing | Right away | The difference is prorated on your next bill |
A bigger plan on yearly billing | Right away | The difference for the rest of your year, charged today |
A cheaper plan on yearly billing | When your paid year ends | Nothing now, and nothing is refunded |
Any change during a free trial | Right away | Nothing; your trial keeps its end date |
Prorated means you pay for the time you spend on each plan. Move up partway through a month and your next bill adds the difference for the rest of that month; move down and your next bill takes the difference off.
Before you move to a smaller plan
- Your data stays. Features the new plan doesn't include are locked, and everything you've added is kept.
- Bank connections: Grow includes 5. If you have more, they all keep updating, but you can't link another until you have fewer than 5. See bank connection limits.
- Brokerages: Grow includes 1 brokerage connection. Any you already have stay connected, but you can't add another.
- Thrive Duo: leaving Thrive Duo pauses your household and puts your partner's access on hold. See leaving or closing a household.
Free days and overdue payments
On free days with no card, choosing another plan offers Switch to that plan, free until the same end date. Your free days move with you. See invite links and free days.
If a payment is overdue, plan and billing changes wait until your card is updated. See when a payment doesn't go through.