Every plan is the whole product. What you pay for is volume: how many receipts we read and how many accounts we watch. Here’s how the limits work, and what actually happens when you change plans, cancel, or miss a payment.
Every plan includes everything ExpenseGhost does. The only real differences are two numbers: receipt scans per month and bank connections. A scan is any receipt we read for you, whether you uploaded it or forwarded it by email (more in receipts help). A connection is one linked bank or card login, which is covered in bank connections help.
Solo ($16 a month) includes 20 scans a month and 5 connections. Team ($39) includes 50 scans and 12 connections. Business ($59) includes 120 scans and 25 connections. Each plan can be billed monthly or yearly.
Nothing stops. A receipt over your monthly scan allowance is still read the moment it arrives; it just adds a small charge to your next bill. Extra scans are 10¢ each on Solo, 8¢ on Team, and 5¢ on Business, and the count resets every month. Connections work the same way: each one beyond your plan’s count adds 50¢ a month.
You never hit a wall mid-month. We’d rather charge you a few cents than leave a receipt sitting unread. If the extras become a regular thing, compare them against the next plan up and pick whichever is cheaper for you.
Billing lives on the Billing page under Administration, and only an admin can change the plan. Pick the bigger plan and confirm: we charge the difference for the rest of your current cycle right then, and the new allowances apply immediately. If the charge doesn’t go through, nothing changes and you stay on your current plan.
Downgrades wait for the time you’ve already paid for. Pick the smaller plan and the switch is scheduled for the end of your current billing cycle: you keep your current plan until that date, then the new one takes over. There’s no refund, because you had the bigger plan for the whole cycle you paid for. If you change your mind before the date, re-select your current plan and the scheduled change is called off.
Switching between monthly and yearly billing goes through a fresh checkout. You pay for the new plan, it starts right away, and the unused part of what you already paid comes back as a credit against your next bills.
On the Billing page, Manage billing opens the billing portal, where you can cancel. You keep full access until the end of the period you’ve paid for, and the page shows the exact date. Change your mind before then and you can reactivate from the same place.
After that date, your data stays put. You can still sign in, look at every number, and download everything: all your transactions and all your receipts. What pauses is new work: bank feeds stop pulling and you can’t add anything new until you resubscribe. Come back any time and you pick up exactly where you left off.
Canceling never deletes anything. Deleting your account is a separate step with its own confirmation. We never remove your data just because a subscription ended.
If a renewal charge fails, we don’t cut you off. Your card is retried automatically for a few weeks, we email you, and a banner appears in the app with an update-card button. For the first 7 days everything keeps working as usual, with one exception: new bank transactions wait until the payment clears. After that week, if payment still hasn’t gone through, adding new work is paused too. The moment a retry succeeds, everything comes back on its own, paused bank feeds included.
If the retries run out without a successful payment, the subscription ends and the same rules as canceling apply: your data is safe, viewing and downloading still work, and resubscribing turns everything back on.