Billing & Plans
Even the free plan gets you moving. Upgrade when you're ready to go all in — more accounts, the target-date planner, full NY-style coaching, and CSV export. Here's what each tier includes.
- Up to 3 debt accounts
- Snowball payoff plan
- Monthly dashboard
- Basic NY accountability
- Cloud-synced & private
- Up to 10 debt accounts
- Target date planner
- Income vs. debt analysis
- Full NY-style coaching
- Payoff milestone celebrations
- Export snowball plan as CSV
- Unlimited debt accounts
- Everything in Grinder
- Custom debt categories
- Advanced debt analytics
- Priority email support
How to upgrade
- Open the app and go to Billing & Plan (or Settings).
- Pick Grinder or Boss and click the upgrade button.
- You'll be sent to secure Stripe checkout to enter your payment details.
- Once payment completes, your new plan activates immediately and your higher account limit unlocks.
Payments are processed entirely by Stripe (PCI DSS Level 1 certified). Snow Debt Crusher never sees or stores your card number. Accepted cards: Visa, Mastercard, American Express, and Discover.
Billing cycle
You're charged immediately when you upgrade. After that, Stripe bills you on the same date each month until you cancel.
How to cancel
You can cancel anytime from the Billing page. When you cancel, you drop back to the Free plan — but you keep all your data.
The Free plan allows 3 accounts. Any extra debts above that limit are hidden, not deleted. They reappear exactly as you left them the moment you upgrade again.
Is my payment information safe?
Yes. We never store your card details — every charge runs through Stripe's secure, certified infrastructure. Your financial data inside the app is separately encrypted in transit and at rest on AWS. See the FAQ for more on security.