Every new account starts with 14 days of Pro Plus, free. Card required up front; we send reminders 7 + 1 day before billing. Cancel anytime to drop to Free.
| Free | Pro | Pro Plus | |
|---|---|---|---|
| Manual debt + transaction entry | ✓ | ✓ | ✓ |
| Payoff strategies | Snowball + Avalanche | + Hybrid | + Hybrid |
| Calendar view + bill alerts | ✓ | ✓ | ✓ |
| Statement OCR (PDF + photo) | ✓ | ✓ | ✓ |
| Linked bank accounts (Plaid) | — | Up to 3 | Unlimited |
| AI Coach Cloud Mode | — | 50 questions / mo | Unlimited |
| Inbox alert generators | Bills only | All 8 | All 8 + custom |
| CSV export | — | ✓ | ✓ |
| Credit score | — | Snapshot | Monthly history |
| Household / partner mode | — | — | ✓ up to 4 members |
| Support | Community | Priority email | |
| Free trial | — | 14 days | — |
Yes — one click in Stripe's portal. You keep access until the end of your billing period. No clawback, no auto-charge after cancellation.
On day 14 your card is charged for the next month (or year, if annual). We email you 3 days before so you have time to cancel without surprise.
Yes — Stripe portal handles upgrades and downgrades, prorating the difference. You only pay the gap.
Email support@wjpdebttracking.com within 30 days of any charge. Full refund, no questions asked.
Never. No advertising, no data brokers. Your subscription is our only revenue source — that's the whole point of this pricing model.
All your manually-entered debts and transactions stay. Plaid syncs and AI Coach Cloud Mode get disabled until you re-upgrade.
Pro Plus is for people who already love the product. Start Pro free for 14 days; if you hit a Pro Plus-only feature (household mode, unlimited banks/AI), upgrade with a prorated charge.
Yes. Pro is $99/yr (≈$8.25/mo, save 31%). Pro Plus is $199/yr (≈$16.58/mo, save 33%). Toggle "Yearly" above to see the lower prices.
Free is a real tool, not a teaser. Pro is for when manual stops scaling. Pro Plus is for households running money together.
If you're shopping around, here's the honest side-by-side. We don't bash competitors — just show what's different.
Why pay yearly
The point of WJP is to save you thousands in interest you'd otherwise burn at 22% APR. The subscription cost is tiny next to that math. Yearly costs less — but more importantly, it's a one-time decision instead of a monthly one. Twelve "should I keep paying?" questions become zero.
$4,000 in credit card debt at 22% APR costs you $880/year in interest if you only pay minimums. Pro yearly costs $99. WJP's strategy engine routinely cuts payoff time by months — not days. You don't need to do the full math. You need to do enough math to see this is a no-brainer.
14-day Free Trial Upgrade included with every plan — full Pro Plus access regardless of pick. Card required to start; never charged during the trial. No charge until day 15. Cancel any time in one click.
Start free 14-day trial →