Yes. 14 days on every plan, no credit card. We remind you around day 10–13 and again on day 14. You only add a card if you want to keep automation. You can still add expenses manually, and export stays free forever.

Subscribe to keep Sterling, bank sync, rules, and capture doors. Or lapse: manual ledger + full history + export stay yours forever — we never hold your data hostage.

Cancel in two taps from Settings → Plan & billing. No phone calls, no retention maze.

Personal is for you and your household. Business is true per-seat pricing for teams — approvals, policy, exports. You can keep both spaces in one app.

No. The ledger is never capped. We meter bank links, rules, projects, seats, and Ask Sterling — never your transaction count.

$12/seat/mo billed annually on Starter (other tiers vary) — no seat minimum, no 'seats included.' Add or remove seats anytime.

Ask Sterling is your expense assistant. Plans include weighted Sterling credits each month (Personal 150/400/1000, Business 400/1000/2000). Ask costs 2 credits. Top up 200 credits for $4.99. Plan credits reset monthly; purchased credits never expire — even if you lapse.

No. Subscription detection, price alerts, and Found Money stay yours. We keep 0% of savings.

Yes. Upgrade or switch tracks anytime from Plan & billing.