Reference3 min readUpdated 15 Mar 2025
Free vs Pro — what's included in each plan
FlowTrack offers two plans: Free and Pro. The Free plan gives you the essentials to track your net worth with up to 5 assets and 5 liabilities. Pro unlocks the full FlowTrack experience with unlimited entries and advanced analytics.
Plan Comparison
| Feature | Free | Pro |
|---|---|---|
| Net worth tracking | Yes | Yes |
| Assets | Up to 5 | Unlimited |
| Liabilities | Up to 5 | Unlimited |
| Income and expense logging | Yes | Yes |
| Cash flow analytics | Basic | Advanced |
| Expense categorisation | Default categories | Custom categories |
| Lifestyle creep detector | — | Yes |
| Financial health score | Basic (3 indicators) | Full (all 10 indicators) |
| Goal tracking | 1 goal | Unlimited goals |
| Budget planner | — | Yes |
| Financial calculators | All 20 calculators | All 20 calculators |
| Monthly summary report | Yes | Yes |
| Detailed reports and insights | — | Yes |
| Nominee tracker | — | Yes |
| Priority support | — | Yes |
| Export data (CSV/PDF) | — | Yes |
Pricing
| Plan | Monthly | Annual | Savings |
|---|---|---|---|
| Free | ₹0 | ₹0 | — |
| Pro (Monthly) | ₹199/month | ₹2,388/year | — |
| Pro (Annual) | ₹125/month | ₹1,499/year | Save ₹889/year (37% off) |
Tip
Annual billing saves you ₹889 per year compared to monthly billing. That is like getting over 4 months free.
What the Free Plan Is Great For
The Free plan is perfect if you:
- Are just getting started and want to try FlowTrack
- Have a simple financial life (5 or fewer assets and liabilities)
- Mainly want to track your net worth
- Want access to the 20 financial calculators
There is no time limit on the Free plan. Use it as long as you like.
When to Upgrade to Pro
Consider upgrading to Pro when you:
- Have more than 5 assets or 5 liabilities to track
- Want advanced cash flow analytics and custom categories
- Want the full 10-indicator financial health score
- Are setting multiple financial goals
- Want the lifestyle creep detector and budget planner
- Want to export your data as CSV or PDF
Can I Downgrade from Pro to Free?
Yes. If you cancel your Pro subscription, your account automatically reverts to the Free plan at the end of your current billing period. You keep all your data — you just lose access to Pro features until you re-subscribe.
Info
Your entries beyond the Free plan's 5-asset and 5-liability limit will be preserved but read-only. You will not be able to edit them until you either re-subscribe to Pro or remove entries to get within the Free plan limits.
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