The Honest Truth About Free vs Paid
Most people don't need paid plans. If you process 1-2 bank statements per month, the free tier is perfect and you should never upgrade.
Paid plans make sense when: (1) You need bulk upload (10-50 files at once), or (2) You process 3+ statements/month and paid is cheaper than alternatives. That's it.
All Tiers Compared
| Tier | Price | Daily Limit | Page Limit | Bulk | Files/Batch | Monthly Capacity | Best For |
|---|---|---|---|---|---|---|---|
| Anonymous (Free) | $0/month | 1 statement | 5 pages max | 0 | ~30 statements | Trying the service | |
| Registered (Free) | $0/month | 2 statements | 10 pages max | 0 | ~60 statements | Personal use (1-2/month) | |
| Professional | $49/month | Unlimited | 1,000 pages/month | 10 files | ~100 statements | Small businesses, 3-20/month | |
| Business | $89/month | Unlimited | 2,000 pages/month | 25 files | ~200 statements | Bookkeepers, 20-50/month | |
| Enterprise | $159/month | Unlimited | 4,000 pages/month | 50 files | ~400 statements | Tax preparers, 50+/month |
Break-Even Calculator: When Does Paid Make Sense?
Professional ($49/mo)
vs Freelance VA at $6-12/statement
$49 ÷ $12 = 4.1 statements → Break even at 3Break even at 3 hours saved (vs $25/hr wage)
Worth it if you process 3+ statements/month or value your time
Business ($89/mo)
vs Freelance VA at $6-12/statement + bulk processing value
$89 ÷ $12 = 7.4 statements → Break even at 6Break even at 6 hours saved (vs $25/hr wage)
Worth it for bookkeepers with 5+ clients (15-30 statements/month)
Enterprise ($159/mo)
vs Freelance VA + time savings from 50-file bulk upload
$159 ÷ $12 = 13.3 statements → Break even at 10Break even at 10 hours saved (vs $25/hr wage)
Worth it for tax preparers (30+ clients during tax season)
Feature-by-Feature Comparison
| Feature | Anonymous | Registered | Professional | Business | Enterprise |
|---|---|---|---|---|---|
| Daily Limit | 1/day | 2/day | Unlimited | Unlimited | Unlimited |
| Page Limit | 5 pages | 10 pages | 1,000/mo | 2,000/mo | 4,000/mo |
| CSV Output | Yes | Yes | Yes | Yes | Yes |
| Excel Output | Yes | Yes | Yes | Yes | Yes |
| Bulk Upload | No | No | 10 files | 25 files | 50 files |
| Pause/Resume | No | No | Yes | Yes | Yes |
| Priority Processing | No | No | Yes | Yes | Yes |
| Email Support | No | Yes | Priority | Priority | Priority |
| Phone Support | No | No | No | Yes | Yes |
| Account Manager | No | No | No | No | Yes |
| API Access | No | No | No | Add-on | Included |
| SSO/SAML | No | No | No | No | Add-on |
| Cost per Statement | N/A | N/A | $0.49 | $0.45 | $0.40 |
Which Tier For Your Use Case?
Personal: 1-2 statements/month
1-2 statementsStay Free (Registered)
Save $588/year vs Professional
Free tier gives you 2/day = 60/month. Way more than you need.
Personal: 3-5 statements/month
3-5 statementsStay Free or upgrade if time-sensitive
Free saves $588, but Professional gives peace of mind
Free tier handles it, but paid removes daily limits for urgent needs
Small Business: 5-15 statements/month
5-15 statementsProfessional ($49/mo)
Save $360-1,440/year vs Freelance VA
Bulk upload saves hours. $0.49/statement vs $6-12 VA cost.
Bookkeeper: 10 clients (30-90 statements/month)
30-90 statementsBusiness ($89/mo)
Save $5,000-8,000/year vs manual or VA
Process 25 files at once. Save 20+ hours/month.
Tax Preparer: 30-75 clients (seasonal)
90-225 statementsEnterprise ($159/mo for 4 months)
Save $10,000+/year vs manual entry
Process 50 files at once. Tax season only (Jan-Apr).
5 Signs You Should Upgrade
You hit the daily limit regularly
Upgrade nowMeaning: Free tier can't keep up with your volume
Action: Upgrade to Professional for unlimited daily conversions
You process 3+ statements/month
Break-even point reachedMeaning: Paid plan cheaper than alternatives
Action: Compare: $49/mo vs $18-36 in VA costs
You spend 2+ hours/month on conversions
ROI is clearMeaning: Your time is worth more than subscription cost
Action: Bulk upload saves 90% of time
You have 5+ clients/accounts
Scalability neededMeaning: Bulk processing essential for efficiency
Action: Business plan for 25-file batches
Tax season or deadline approaching
Temporary upgrade OKMeaning: Can't afford daily limits when time-sensitive
Action: Upgrade for month, cancel after deadline
When to Stay Free (Don't Upgrade)
1-2 statements per month
Free tier gives you 60/month capacity - way more than needed
Irregular usage (some months 0, some months 5)
Subscription doesn't make sense for sporadic use
One-time project (historical data conversion)
Pay $49 for 1 month Professional vs $588/year
Testing/learning the service
Always start free to verify it works for you
Why We're Transparent About This
Most Users Don't Need Paid Plans
70% of our users stay on the free tier forever. That's by design. We built generous free tiers because we believe tools should be accessible.
You Can Cancel Anytime
No contracts, no cancellation fees. Subscribe for 1 month during tax season, cancel after. We don't hold you hostage.
Free Tier Gets Same Accuracy
99.9% accuracy on free tier, same as paid. Paid plans are for volume/speed, not quality.
Bulk Upload is the Only Must-Have Paid Feature
If you don't need to process 10+ files at once, you don't need a paid plan. Everything else is convenience.
Start Free, Upgrade Only When You Need It
Try the free tier first. No credit card required. If you outgrow it, upgrade anytime. Cancel anytime. No tricks, no pressure.
Free tier: 2 statements/day • No credit card • Same 99.9% accuracy • Upgrade only if you need bulk