Paid plans start with a 14-day trial of the plan you pick. Card required up front; we send reminders 7 days and 1 day before billing. Cancel anytime and the account moves to Limited Free the same day.
| Free | Pro | Pro Plus | Ultimate | |
|---|---|---|---|---|
| Manual debt + transaction entry | ✓ | ✓ | ✓ | ✓ |
| Payoff strategies | Snowball + Avalanche | + Hybrid | + Hybrid | + Hybrid |
| Calendar view + bill alerts | ✓ | ✓ | ✓ | ✓ |
| Statement OCR (PDF + photo) | ✓ | ✓ | ✓ | ✓ |
| Linked bank accounts (Plaid) | — | Up to 3 | Unlimited | Unlimited |
| WJP Assistant chat | — | 50 questions / mo | Unlimited | Unlimited + premium |
| Inbox alert generators | Bills only | All 8 | All 8 + custom | All 8 + custom |
| CSV export | — | ✓ | ✓ | ✓ |
| Credit score | — | Snapshot | Monthly history + 3-bureau | Monthly history + 3-bureau |
| Household / partner mode | — | — | ✓ $8/each | ✓ 2 included + $8/extra |
| Support | Community | Priority email | Priority email + chat | |
| Free trial | — | 14 days · card required | 14 days · card required | 14 days · card required |
Yes — one click in Stripe's portal. Cancel during the 14-day trial and you are not charged. Access ends the same day and the account moves to Limited Free. After billing starts, access still ends the same day.
On day 15 your card is charged for the plan you picked, monthly or yearly. We email you before that so you can cancel without surprise. If you cancel, you keep a limited Free plan.
Yes — Stripe portal handles upgrades and downgrades between Pro, Pro Plus, and Ultimate. Stripe prorates the difference; you only pay the gap.
Email support@wjpdebttracking.com within 14 days of any charge and we’ll refund it, 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 WJP Assistant chat get disabled until you re-upgrade.
Yes. Every paid plan — Pro, Pro Plus and Ultimate — starts with 14 days free of that plan. Card required. You are not charged until day 15, and cancelling before then costs nothing.
Both offer Household mode. Pro Plus ($24.99) includes no seats; you add family members at $8/each and they keep their own plan (they can upgrade to Pro for $11.99/mo). Ultimate ($49.99) includes 2 family members at Pro — they are not charged their own $11.99 — plus premium features (premium AI). The owner stays on Ultimate. Seats after those 2 are $8/each, the same quote as Pro Plus. A household holds up to 6 people.
Yes. Pro is $99/yr (≈$8.25/mo, save 31%). Pro Plus is $199/yr (≈$16.58/mo, save 33%). Ultimate is $540/yr (≈$45/mo, save $59.88). Toggle "Yearly" above to see the lower prices.
Trial of the plan you pick. Cancel anytime. Access ends the same day and the account moves to Limited Free.
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.
Every paid plan starts with a 14-day free trial of that plan. Card required to start; never charged during the trial. No charge until day 15. Cancel any time in one click.
Start 14-day trial →