---
title: "How to read your plan"
description: "Where your plan is shown, what each subscription state means, and how to cancel, restore, or change it — read from Settings → Billing, not guessed."
canonical_url: "https://fincanva.com/docs/account-security/how-to-read-your-plan"
last_updated: "2026-09-11"
md_url: "https://fincanva.com/docs/account-security/how-to-read-your-plan.md"
---

# How to read your plan

Your plan is shown in two places — the account menu and profile header carry a short **Upgrade plan** link, and **Settings → Billing** carries the full status: which plan, which billing interval, and what state your subscription is in right now.

## Before you start
No prerequisites. Settings → Billing is available to every account, including one with no active subscription.

## What does the billing card show?

Your plan's name (Starter, Advanced or Ultimate — a Free account reads **Free**, and a Professional subscriber reads **Custom**, since Professional has no entry in Fincanva's own price catalogue), the **Billing interval** you pay on (Monthly, Quarterly or Yearly), and one status line that names exactly where your subscription stands:

| Status | What it means |
|---|---|
| Trial | Running on the 30-day trial; the first charge has not happened yet. See [the 30-day trial](/docs/account-security/the-30-day-trial). |
| `Renews on {date}` | Active and will renew automatically at the date shown. |
| Payment failed | A renewal payment was declined; you keep your plan while it retries. See [what happens if a payment fails](/docs/account-security/what-happens-if-a-payment-fails). |
| Payment pending | A first payment has not been collected yet; some methods take a few days to clear. |
| `Ends on {date}` | Cancelled: your plan stays active until that date, then stops. Nothing is charged again. |
| Change queued | A plan switch is scheduled and will take effect at the date shown. |
| `Your {plan} plan ended` | The subscription is over and paid access has stopped; everything you built is still there. The card itself then reads Free — see [what the plan card shows once the subscription has ended](/docs/account-security/what-happens-if-a-payment-fails#what-does-the-plan-card-show-once-the-subscription-has-ended). |

## Steps to cancel your plan

1. Open **Settings** → **Billing**.
2. Select **Cancel plan** on the plan card.
3. Confirm in the dialog: `Cancel your plan? Your subscription will end on {date}. You will keep access until then.`

Your plan stays active until that date; nothing is charged again after you confirm. Cancelling does not delete anything you built — see [plan compliance](/docs/backtesting/plan-compliance) for exactly what happens to a strategy that ends up beyond your (now lower) plan.

## What you should see

The status line reads `Ends on {date}`, and a **Restore plan** button replaces **Cancel plan**. A cancellation toast confirms it in one line: `Access until {date}.`

## Steps to undo a cancellation

1. Open **Settings** → **Billing**.
2. Select **Restore plan** on the plan card.
3. Confirm: `Restore your plan? Your subscription will continue and renew on {date}.`

This is available for as long as your access has not yet ended. Once the status line reads `Ends on {date}` and that date has passed, there is nothing left to restore — subscribing again starts a fresh subscription instead.

## What's the difference between "Upgrade now" and "Switch at renewal"?

Two different moments a plan change can take effect, offered side by side whenever you choose a different plan: **Upgrade now** changes it immediately, prorated against what you have already paid this period; **Switch at renewal** queues the change for your next billing date instead, so today's plan runs out its paid period first. A queued switch shows as **Change queued** on the status line until it lands, and can itself be cancelled with **Cancel scheduled change** before then, which leaves you on your current plan.

During a trial, both options still work, but "next billing date" means the trial's last day. **Upgrade now** is unchanged: it switches the plan immediately, the trial keeps running to its last day, and the new plan is what's charged then — or, with no payment method on file, the subscription still ends with the trial as it would without the upgrade. **Switch at renewal** needs a payment method on file to queue during a trial — without one, the app refuses and changes nothing: "To change plan during your trial, add a payment method first." (toast: "Add a payment method to change plan"). With a payment method on file, queuing a switch no longer ends the trial early: the trial runs to its last day, and the new plan's price is what's charged that day.

## Is the "Upgrade plan" link tied to a specific plan?

No — this is a known limitation, not a recommendation. The **Upgrade plan** link in the account menu and profile header opens the same `/settings/billing` page for every account and is shown identically on every plan today, including plans it would not make sense to upgrade from further; the account menu also carries an **Upgrade plan** entry tagged `Coming soon` beside it. It does not point at any one tier above yours, and its presence is not Fincanva suggesting a particular next step.

## Where are my billing details and active sessions?

**Billing details** — the name, address and VAT/tax ID that appear on your invoices — is its own section on the same **Settings → Billing** page, beside the plan card. **Active sessions** is a different page entirely: it lives under **Settings → Security**, and lists the devices signed in to your account rather than anything about your plan.

## Can I cancel anytime?

Yes. There is no minimum term and no cancellation fee on any plan: **Cancel plan** is always available on the billing card, takes effect at the end of your current billing period, and can itself be undone with **Restore plan** for as long as that period has not yet ended.

Fincanva does not tell you which plan to be on, and this page is not a recommendation to subscribe — see [Is this financial advice?](/docs/investing-theory/is-this-financial-advice#is-this-financial-advice).