Upgrading and managing your billing

Subscribe to MTD Lite on the Choose Your Plan page, while paid subscribers manage everything (card, invoices, cancellation) from Settings. This guide walks through both, plus what happens to your data if you cancel.

What this covers

This guide explains the two billing journeys: subscribing to MTD Lite, and managing an existing MTD Lite subscription. Subscribe on the Choose Your Plan page. Paid subscribers use the Billing tab in Settings to open the Stripe Customer Portal.

For what each plan actually includes, see Plans and pricing.

Note: Card details are always entered on Stripe's hosted checkout, never inside the app. We do not store your card number.

Subscribe to MTD Lite

1. Open the Choose Your Plan page (the upgrade page). You will see the MTD Lite subscription options.
2. Choose Monthly or Annual using the toggle. Annual is preselected and shows the saving, so leave it on Annual if you want the lower effective price.
3. Click "Subscribe to MTD Lite" on the MTD Lite card.
4. Complete payment on Stripe's hosted checkout.
5. You are returned to a success page that activates your plan. If the confirmation lags for a moment, simply reloading the success page re-checks the payment with Stripe and switches you over.

Tip: If you are already on MTD Lite, the MTD Lite card shows "Current Plan" (disabled) instead of a Subscribe button. There is nothing to do.

Manage your plan (MTD Lite subscribers)

The Billing tab in Settings manages a live subscription. Before subscribing, you can go directly to the Choose Your Plan page; if the Billing tab is shown, its View Plans button leads to the same place.

1. Open Settings and select the Billing tab.
2. Review your current plan and price, and any renewal or cancellation date shown.
3. Click "Manage Billing" to open the Stripe Customer Portal in the same window.
4. In the portal you can update your payment method, view and download invoices, or cancel your subscription. You return to Settings when you are done.

Cancel your subscription

Cancel from the Stripe Customer Portal (Settings, Billing, then Manage Billing). Cancelling keeps your MTD Lite access until the end of the billing period you have already paid for, so you do not lose features the moment you cancel. After that, Settings shows which features remain available. Nothing is deleted; see the next section.

Cancel a scheduled downgrade

If a downgrade is scheduled to take effect later, the Billing tab shows a banner with a "Cancel Downgrade" button. Click it to stay on your current plan and stop the downgrade from happening.

What happens to your data if you cancel

Your data is never lost when a subscription ends. You can still sign in, view all your records, export your data, contact support and manage your account. Settings shows which features remain available, and resubscribing restores full access.

If something goes wrong

• There is no Billing tab in Settings. Subscribe on the Choose Your Plan page instead. The submission and report screens also link there when a feature needs MTD Lite.
• "Manage Billing" reports no subscription found. This happens when the account has never completed a Stripe checkout, so there is no billing record to manage. Subscribe via the Choose Your Plan page first.
• You paid but your plan has not updated. The confirmation can lag briefly. Reloading the success page re-verifies the paid session directly with Stripe and activates your plan.
• You cannot switch your income type to "Both". If the app shows an upgrade prompt, your current plan does not include the change. Subscribe to MTD Lite and try again; your existing records are preserved.

For anything not covered here, see Account settings or Getting help.

Frequently asked questions

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