No "premium tier" hiding behind a paywall, no card grab on signup, no auto-charge surprise on day 15. You get the whole app for two weeks. If it earns the $4.99 a month, you decide to keep it. If not, you walk — and your data stays where you left it.
Most "free trial" pages bury the rules in a 12-point footnote. We'd rather just put them in front of you. Every paid feature is unlocked the moment you sign up — Money Coach, Daily Insights, the receipt scanner, the 30-day forecast, the predictive budget line. Use them, abuse them, decide on day 14.
Below is the honest arc of the first two weeks. Times are typical — if you skip the CSV import on day one, the AI sections start a bit slower because they have less to read.
The single best thing you can do on day one is import historical transactions. FinTrack's AI gets sharper with more data — three months of history makes the Money Coach answers genuinely useful from the first session.
A spending alert if anything stood out yesterday, a subscription warning if a new recurring charge looks like one, a goal-pacing note if you set a target. If nothing's worth saying, nothing shows up.
Don't ease in with "what can you do?" — ask the actual question on your mind. "Can I afford a $400 flight on the 28th?" works better than "give me advice." The verdict pill makes the bottom line impossible to miss.
This is the moment that surprises most people. Open FinTrack on your phone's browser, tap the floating "+", point at the receipt, confirm one or two fields. The transaction is in, categorized, and done in under 15 seconds.
With a week of activity on top of your imported history, the forecast line on your dashboard now has enough data to look forward two to four weeks. Try the What-If button on a real purchase you're considering — that's the headline trick.
Not five. Not "your trial is about to expire!" panic mail every two days. One email, with two buttons: Keep using FinTrack and Walk away. If you click neither, the trial ends quietly on day 14.
Add a card and keep going at $4.99 USD / $6.99 CAD per month. Or cancel and keep read-only access to your data. Or do nothing — your account quietly goes read-only, and you can come back any time.
The free-trial industry has gotten dark over the last decade. We've seen the playbook. Here's what we don't run, and what we do, in plain English.
The standard SaaS move is "free trial, just enter your card" — knowing 60% of people forget to cancel. We don't ask for a card until day 14, and only if you decide to continue.
Because there's no card on file, there's nothing to charge. The trial just ends. You either add a card on purpose, or you don't.
On day 12 you'll get a single email with two buttons. Then nothing. No "last chance!" on day 13, no follow-up on day 15, no win-back drip campaign next month.
When you cancel later, it's two clicks in Settings. We don't make you talk to a chatbot, click through four "are you sure?" screens, or watch a video about what you'll miss.
Cancel and your account drops to read-only — you can still see and export everything. You can pull a full CSV of every transaction from Settings → Export at any point, forever.
Some apps gate the good stuff behind "upgrade to use." During FinTrack's trial, every feature is open — including Money Coach, receipt scan, and the AI insights. What you see is what $4.99 buys.
This is the moment most apps trick you. Here are the three options we actually offer, with what each one means in practice.
Add a card in Settings → Billing. You're charged $4.99 USD or $6.99 CAD for the first month immediately, then on the same day each month after. Cancel any month, no clawback.
The trial ends quietly. Your account drops to read-only — you can see your transactions, run reports, and export your data, but you can't add new transactions or run the AI features. Come back whenever.
Cancel from Settings (two clicks). Pull a CSV of your full transaction history. Optionally delete your account from the same page — a one-click "delete everything" button. We mean it.
FinTrack has one paid plan, billed monthly. There's no "Pro," no "Plus AI," no annual lock-in. We picked one number and stuck with it.
$4.99 USD if you're billed in US dollars, $6.99 CAD if you're billed in Canadian dollars — the difference covers Stripe's cross-border fee and the exchange rate, not a markup.
If we ever raise the price for new users, your old price is locked. Forever.
The eight real questions, with eight real answers. No generic "your privacy matters to us" filler.
No. None. You enter card details only if you decide to continue on day 14. Until then, FinTrack has no way to charge you.
No. There's no card on file, so there's nothing to charge. The trial just ends. You either add a card on day 14 to continue, or your account quietly drops to read-only.
It depends entirely on whether you import history. If you upload a 90-day CSV from your bank on day 1, the Money Coach is fully useful within an hour. If you start with an empty account, the AI gets sharper as you add transactions — most people see real value around day 7.
Just close the tab and never come back — there's nothing to cancel, because nothing's been charged. If you also want to delete your account, Settings → Account → Delete. One click, type "delete" to confirm.
Technically yes, the system will let you. We don't think that's fraud and we won't sue you over it — but if you've used it twice and not subscribed, FinTrack probably isn't your app. That's also a fine outcome.
Your account drops to read-only at the end of your current billing month. You can still see everything and export a CSV at any time. To delete completely, use the delete button — it's irreversible by design.
Because annual plans exist mostly to lock you in. We'd rather earn the $4.99 every month by being good enough that you don't think about cancelling. If we ever add an annual tier, it'll be opt-in, not the default.
Yes — your account isn't deleted unless you ask. Sign back in any time, re-activate billing, and your full transaction history is still there. No second trial, but the door is always open.
Start tonight. By next weekend you'll know whether FinTrack belongs on your home screen — or whether it doesn't. Either way, you'll have your data, and we'll have an honest answer.
Free for 14 days · Cancel anytime · Just $4.99/mo after