Question 1

How long is the free trial?

Accepted Answer

14 days with full access to every feature on your plan. No restrictions, no watermarks, no limited functionality. Use it like a paying customer from day one.

Question 2

Do I need a credit card to start?

Accepted Answer

No. Start your free trial without entering payment information. We'll ask for payment only if you decide to continue after 14 days.

Question 3

Can I cancel anytime?

Accepted Answer

Yes. Cancel from your account settings in two clicks. No cancellation fees, no retention calls, no guilt trips. Your data stays available for export even after cancellation.

Question 4

What happens to my data if I cancel?

Accepted Answer

Your data remains accessible for 30 days after cancellation. You can export everything (transactions, budgets, investment history) as CSV at any time. After 30 days, data is permanently deleted.

Question 5

Can I switch plans?

Accepted Answer

Upgrade or downgrade anytime. When upgrading, you get immediate access to new features. When downgrading, changes take effect at your next billing cycle so you keep access through the end of your paid period.

Question 6

Is annual billing cheaper?

Accepted Answer

Yes. Standard is $120 per year (about $10 per month, a 33% saving over paying monthly) and Pro is $250 per year (about $20.83 per month, a 31% saving). You are charged once per year instead of every month. Pick Monthly or Yearly with the toggle above the plans.

Question 7

How does Thermal compare to Monarch Money?

Accepted Answer

Monarch is excellent for spending tracking, but Thermal goes further by adding portfolio consolidation across multiple brokerages, Monte Carlo retirement simulations with 8 withdrawal strategies, and The Bridge feature that connects your daily spending directly to your retirement projections. If you use both Monarch and Personal Capital, Thermal replaces both.

Question 8

Is my financial data secure?

Accepted Answer

Bank-level security. AES-256 encryption at rest, TLS in transit. We use Plaid for bank connections, the same infrastructure behind Venmo, Robinhood, and Coinbase. We never store your bank credentials. Your data is never sold or shared with third parties.

Question 9

Which banks and brokerages do you support?

Accepted Answer

Over 12,000 financial institutions via Plaid, including all major banks (Chase, Bank of America, Wells Fargo, Citi), brokerages (Schwab, Fidelity, Vanguard, Interactive Brokers, Morgan Stanley), and crypto exchanges. If it connects to Plaid, it works with Thermal.

Question 10

What payment methods are accepted?

Accepted Answer

All major credit and debit cards including Visa, Mastercard, and American Express. Payments processed securely through Stripe.

Feature	Standard	Pro
Bank connections	Up to 7	Up to 15
Transaction categorization	Included	Included
Budget tracking	Included	Included
Net worth monitoring	Included	Included
Investment portfolio tracking	Included	Included
Debt payoff planning	Included	Included
Retirement planning	Included	Included
Monte Carlo simulations	Included	Included
AI-powered insights (The Bridge)	Not included	Included
AI categorization	Not included	Included
Proactive coaching	Not included	Included
Business expense tracking	Not included	Included
MCP server: connect your own AI assistant to your finances	Not included	Included
Command-line app (coming soon)	Not included	Included
Priority support	Not included	Included

One platform. Simple pricing.

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Frequently Asked Questions