Plans and Billing

Cancellation

1. Settings → Plan & Billing → Cancel.
2. Cancellation takes effect at the end of the current period — you keep using the paid features until then.
3. Cancellation pauses billing but does not delete your data. If you re-subscribe later you pick up where you left off. If you want your data removed, see Data Security — deletion is a separate, audited request.

If you're a firm canceling a client's subscription on their behalf, the same applies — the client's data is preserved, just downgraded to Free.

Common issues

• "I'm a bookkeeper and I don't see Plan & Billing for a client." Check whether the client is paying directly (in which case they manage their own billing in their portal) or your firm is paying (in which case you manage it from the client drilldown).
• "My doc cap reset doesn't match the calendar month." The cap window is per-billing-period — it resets when your subscription renews, not on the 1st of the month.
• "I upgraded but the feature isn't unlocked." Refresh the page. The capability check happens at request time; sometimes the cached page has the old plan tier. Hard refresh resolves it.
• "I'm trying out the firm-self-client demo and the doc cap looks like Free." That's by design — see Bookkeeper workspace.

Doc-quota soft cap

If you're approaching your monthly document cap (Free or Starter tiers), Tally surfaces this clearly:

• A meter at the top of the page shows your current count vs. cap.
• A reminder appears in the Tally tongue + bell when you cross 80%.
• A persistent header banner appears when you're past 95%.
• A modal appears when you try to upload past the hard cap.

You always know where you stand. Upgrading at the cap is one click.

How firms vs SMBs are billed

Under the current model, bookkeeper users do not pay seat fees for the workspace itself. The subscription is tied to each client workspace. Pricing is subject to change — confirm the latest terms during onboarding.

When you add a client to your firm workspace, you choose:

• The client pays directly — they get their own checkout, their own subscription. The client owns their billing relationship.
• The firm pays on the client's behalf — your firm's Stripe customer is billed for that client. You see all the client subscriptions in your firm's billing portal. Useful for firms that bundle Tally into their own service fee.

You can switch billing models per-client at any time.

If you're an SMB owner, you pay your own subscription directly — no firm involved.

Inbox Starter — the standalone product

There's also a separate Inbox Starter plan ($29/month) at /inbox/signup. It's a focused product for someone who wants just the email-to-bookkeeping pipeline (forwarding address, extraction, optional QuickBooks push, audit trail) without the full Tally memory layer.

Inbox Starter is its own account model — you don't get the Memory page or Tally's full intelligence layer. It's not the right path if you want Tally to learn your vendors and reduce review work over time. For that, you want the regular Free / Starter / Pro / Business plans.

Subscription term — month-to-month

All paid plans bill month-to-month. There is no annual commitment required for Free, Starter, Pro, or Business. You can cancel anytime; access continues through the end of the current billing period. The only exception is a custom Enterprise agreement, where billing terms are set during the contract conversation.

If you want to pay for a year up front, that's also a custom arrangement — talk to us. The default product experience is monthly.

The tier matrix

Enterprise is custom — talk to us if you have specialized needs (SSO, custom reporting, larger seat counts, dedicated support).

Upgrading or downgrading

1. Open Settings → Plan & Billing.
2. Pick your new tier.
3. Stripe handles the proration.

Downgrading takes effect at the end of the current billing period. Upgrading is immediate.

If you're a bookkeeper paying on behalf of a client, the upgrade/downgrade flow is on the client drilldown — the billing flows through your firm's Stripe customer either way.

What "Business = Tally runs a firm" means

The Business plan ($199/month) adds the firm-level features:

• Everything in Pro.
• 5 user seats (so a small firm team can all work in the same client workspace).
• Firm memory (cross-client patterns within your firm).
• Bookkeeper Command Center with close readiness, ROI rollups, top blockers.
• Multi-client features intended for firms running many SMBs.

This tier exists for firms managing multiple clients. An SMB running their own books usually doesn't need it.

What "Free = Tally thinks" means

The Free tier is genuinely useful, not a crippled trial. You get:

• 300 documents per month — enough for most small businesses.
• Tally's full intelligence layer: vendor memory, anomaly narratives ("Stripe usually charges $12-15, this one is $250"), Ask Tally chat, open-loops queue, normal-range tracking for each vendor.
• The Memory page where you see what Tally has learned.
• Manual review and approval of every document.

What you don't get: bank connections, QuickBooks push, email-ingest, autonomy, alerts. Those are the action-layer features that cost us real money to provide (third-party integrations, infrastructure, compliance) — they live in the paid tiers.

What "Paid = Tally acts" means (Starter and Pro)

Starter and Pro turn Tally into an active partner:

• Starter ($29/month) — bank feed (1 connection), QuickBooks push, doc cap raised to 2,000/month. Right for a small business with a single bank account that wants Tally to actually push reviewed work to QBO.
• Pro ($99/month) — everything in Starter, plus 3 bank connections, unlimited documents, email-ingest (Inbox), autonomy (Tally can auto-handle vendors she's earned), SMS/Slack alerts, 1099 season tools, cash flow forecasting, and 3 user seats.

Pro is the tier where Tally starts handling routine work on her own (under the autonomy rules — see How Tally learns).

What's next

• Getting started
• Bookkeeper workspace — firm billing model details
• Inbox — Inbox tier availability
• Security and privacy

What you'll do

• Understand which tier covers your needs.
• See the difference between SMB self-billing and firm-paid billing.
• Know how Inbox Starter fits in.
• Manage your subscription — upgrade, downgrade, or cancel.