Fair questions
Can I switch or cancel later?
Billing is not active. Cancellation, renewal and tax terms must be finalised before paid subscriptions open. The amounts above are planned prices.
Which calculators are free?
The planned Free tier includes net worth, budgeting, emergency savings, financial freedom, debt repayment, rent or buy, lease or buy, trips and weddings. Lessons, knowledge checks and study PDFs are also free.
Is my financial data secure?
Calculator inputs are stored locally in this browser. This is not encrypted cloud storage. Use a private device and export a backup before clearing browser data. Accounts and cloud sync are not connected.
What does upgrading add?
Premium adds retirement and investment-mix planning, pensions and policies, stress scenarios and estate organisation. Elite adds portfolio-risk analysis and supported tax scenarios. Both paid tiers are planned to include calculator reports in PDF and Excel. The tools support your own planning; personal advice is outside the subscription.