Upgrading or downgrading

# Upgrading or Downgrading Your Plan

Switching between Nova and SuperNova is simple and takes effect right away.

Nova vs. SuperNova

| Feature | Nova | SuperNova |

|---|---|---|

| Net worth tracking | ✅ | ✅ |

| Budget tools | ✅ | ✅ |

| Goal tracking | ✅ | ✅ |

| Charlie AI insights | Basic | Advanced |

| Net worth projections | 1-year | Up to 10 years |

| What-If Scenarios | Basic | Advanced |

| Transaction splitting | — | ✅ |

| Priority support | — | ✅ |

| Monthly price | $9.99 | $19.99 |

| Annual price | $99/yr | $199/yr |

Both plans come with a 30-day free trial.

How to Upgrade

• Go to Settings → Subscription
• Tap Change Plan
• Select SuperNova
• Confirm your upgrade

You'll get immediate access to all SuperNova features. Your billing will be adjusted with a prorated credit for the unused portion of your current Nova plan.

How to Downgrade

• Go to Settings → Subscription
• Tap Change Plan
• Select Nova
• Confirm your downgrade

Your downgrade takes effect at the end of your current billing period so you can continue enjoying SuperNova features until then.

How Prorating Works

• Upgrades are prorated immediately — you only pay the difference for the remaining time in your billing cycle
• Downgrades are not prorated — you keep SuperNova access through the end of your paid period, then switch to Nova

Switching Billing Cycles

You can also switch between monthly and annual billing from the same Change Plan screen. Switching to annual saves you roughly two months per year on either plan.

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Still need help? Contact our support team — we're happy to assist.