> ## Documentation Index
> Fetch the complete documentation index at: https://help.mysubledger.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Upgrade or downgrade your SubLedger plan anytime

> Learn how to switch between SubLedger's Free, Personal, Family, and Business plans, and understand how billing changes take effect immediately.

You can upgrade or downgrade your SubLedger plan at any time from your account settings. Upgrades take effect immediately, giving you instant access to new features. Downgrades take effect at the end of your current billing period so you keep full access through the time you've already paid for.

## Upgrade your plan

<Steps>
  <Step title="Open account settings">
    Sign in to [app.mysubledger.com](https://app.mysubledger.com) and click your account avatar in the top-right corner. Select **Settings** from the dropdown menu.
  </Step>

  <Step title="Go to the Plans & Billing section">
    In the settings sidebar, select **Plans & Billing**. Your current plan is highlighted, and all available plans are listed alongside their features and pricing.
  </Step>

  <Step title="Select your new plan">
    Click **Upgrade** on the plan you want to move to. Review the plan details and confirm your choice.

    <Tip>
      Select **Annual billing** on the next screen to save approximately 17% compared to paying month-to-month.
    </Tip>
  </Step>

  <Step title="Enter your payment details">
    Enter your billing information and confirm the upgrade. Your new plan activates immediately and you gain access to all features in that tier right away.
  </Step>
</Steps>

<Note>
  When you upgrade mid-cycle, SubLedger calculates a prorated charge for the remainder of your current billing period so you only pay for what you use.
</Note>

***

## Downgrade your plan

<Steps>
  <Step title="Open account settings">
    Sign in to [app.mysubledger.com](https://app.mysubledger.com) and navigate to **Settings** → **Plans & Billing**.
  </Step>

  <Step title="Select a lower plan">
    Click **Downgrade** on the plan you want to move to. SubLedger will show you a summary of the features you'll lose at the end of your billing period.
  </Step>

  <Step title="Confirm the downgrade">
    Review the summary and confirm. Your current plan remains active until the end of your paid billing period. After that, your account switches to the new plan.
  </Step>
</Steps>

<Warning>
  If your downgrade reduces your subscription limit below your current number of tracked subscriptions, you'll need to remove subscriptions before the downgrade takes effect. SubLedger will remind you of this during the confirmation step. Subscriptions over the new limit won't be automatically deleted, but you won't be able to add new ones until you're within the limit.
</Warning>

***

## Switching to the free plan

Downgrading to Free follows the same process as any other downgrade. Keep in mind that the free tier supports up to 10 subscriptions, and features like employer reimbursement tracking, family assignment, bookkeeper access, and downloadable reports will no longer be available after the switch.

***

## Switching between monthly and annual billing

You can switch from monthly to annual billing (or vice versa) from the same **Plans & Billing** settings page without changing your plan tier.

* **Monthly to annual:** The annual rate applies at your next renewal date. You'll receive a prorated credit if you switch mid-cycle.
* **Annual to monthly:** The change takes effect when your current annual period ends.

<Tip>
  Annual billing saves approximately 17% across all paid plans. If you're confident you'll use SubLedger for the full year, annual billing is the better value.
</Tip>

***

## What happens if you exceed your plan's subscription limit

If you downgrade to a plan with a lower subscription limit, subscriptions over the new limit become **read-only**. You can still view them, but you won't be able to edit or add new subscriptions until you're within the limit.

SubLedger keeps your oldest subscriptions active and locks the most recently added ones that exceed the limit. A banner appears on your dashboard and subscriptions page with options to upgrade or manage your list.

<Note>
  Over-limit subscriptions are never deleted automatically. You can regain full access by upgrading your plan or removing subscriptions until you're within the limit.
</Note>

***

## Questions about billing

If you have questions about a charge or need help with your plan, contact the SubLedger support team at [help@mysubledger.com](mailto:help@mysubledger.com).