Terms

Using the app means accepting these terms. If you are using it on behalf of a household or a business, you are confirming that you may accept them for that household or business.

We may change these terms. Material changes are announced on the changelog and, for account holders, by email at least thirty days before they take effect.

You are responsible for keeping access to the email or phone you sign in with. There is no password and no separate sync passphrase: a one-time code is how you get back in. Export a file if you want a copy that does not depend on the account.

One person per account, except on the Household plan, which is explicitly meant to be shared with up to five people.

Paid plans bill in advance, monthly or yearly, and renew until cancelled. Cancel at any time from the account page; the plan runs to the end of the period you have paid for and then falls back to the free plan.

Yearly plans cancelled within thirty days are refunded in full, no questions. Beyond that we refund pro rata for anything genuinely our fault.

The app is a planning tool. Its figures are arithmetic on the numbers you enter, not financial, tax or legal advice, and they do not account for anything you have not told it about.

It is provided as is. We keep it working and we fix what breaks, but we do not warrant that a forecast will resemble your future, because no one can.

You may stop using the app at any time and take your data with you. We may suspend an account that is attacking the service, charging back repeatedly or breaking the law, and we will say which before we do.