Account Limits

Balance offers different features and limits for Free vs. Premium plans. This guide explains what’s included in each plan and how account limits work.

Plan Comparison

Free Plan Limits

What’s Included (Forever Free)

✅ Full Budget Tracking:

• Create unlimited categories
• Set budget amounts
• Track spending
• Monitor progress
• See historical data

✅ Manual Transactions:

• Add transactions manually
• Unlimited entries
• Categorize each one
• Full transaction details

✅ Partner Profiles:

• Multiple user profiles
• Shared budget view
• Real-time sync between profiles
• Coordinate together

✅ Cross-Platform:

• iOS app
• Android app
• Web browser
• Sync across devices

What’s NOT Included

❌ Bank Account Connections:

• Cannot connect any bank accounts
• No automatic transaction syncing
• Must enter all transactions manually

❌ Transaction Import:

• No CSV import
• No automatic data pulls
• Manual entry only

Premium Plan Limits

Bank Account Connection Limit

Up to 10 bank accounts total:

What counts as an account:

• Each checking account = 1
• Each savings account = 1
• Each credit card = 1
• Each investment account = 1
• Each loan account = 1

Example allocation:

2 checking accounts
1 savings account
3 credit cards
1 car loan
1 student loan
= 8 accounts (2 slots remaining)

Why 10 Account Limit?

10 accounts covers most households:

• Average person: 3-5 accounts
• Couple: 6-10 accounts combined
• Enough for comprehensive tracking

If you need more:

• Prioritize active accounts
• Disconnect inactive accounts
• Focus on accounts you use regularly

What Counts as an Account

Does Count

✅ Each individual account:

• Bank of America Checking
• Bank of America Savings
• Chase Credit Card
• Capital One Credit Card
• Ally Savings
• Wells Fargo Checking

Even from same bank - each separate account counts.

Doesn’t Count

❌ Does NOT use a slot:

• Sub-accounts within one login (sometimes)
• Closed accounts (after disconnecting)
• Failed connections (removed)
• Partner using same household budget

Managing Your 10 Account Limit

Prioritizing Accounts

Connect accounts you use most:

High priority (connect):

• Primary checking (daily transactions)
• Credit cards (regular use)
• Savings you contribute to regularly

Lower priority (skip):

• Inactive savings accounts
• Old credit cards (not used)
• Accounts with no recent activity
• Investment accounts (monthly check enough)

Rotating Accounts

If need to add new account:

1. Identify least-used connected account
2. Disconnect that account
3. Connect new account
4. Old account’s data remains in Balance
5. Just stops syncing new transactions

Data isn’t deleted when disconnecting.

Couples and Shared Accounts

Joint accounts:

• Only connect once
• Both partners see it
• One connection = one slot

Individual accounts:

• Each person’s personal accounts
• All count toward 10-account limit
• Share household subscription

Example couple setup:

Joint Checking: 1 slot
Joint Savings: 1 slot
Partner 1 Credit Card: 1 slot
Partner 2 Credit Card: 1 slot
Partner 1 Personal Checking: 1 slot
= 5 slots used, 5 remaining

Transaction Limits

No Transaction Limits

Both Free and Premium:

• Unlimited transactions
• Unlimited history
• Unlimited categories
• Unlimited budget entries

No caps on:

• Number of transactions per month
• Historical transactions stored
• Manual transaction entries
• Categorized transactions

Profile Limits

Unlimited Profiles (Both Plans)

Create as many profiles as needed:

• Primary profile (account owner)
• Partner profile
• Additional family members (if desired)

Most common:

• 2 profiles (you + partner)
• 1 profile (single user)

All profiles share:

• Same budget
• Same transactions
• Same categories
• Same bank connections

Learn more about profiles →

Storage and History Limits

Transaction History

No time limits:

• Store transactions forever
• Unlimited historical data
• Access any past month
• No automatic deletion

Both Free and Premium keep full history.

Budget History

Track budgets over time:

• Monthly budgets saved
• Compare month-to-month
• See progress over time
• Unlimited historical budgets

Feature Availability

Free Plan Features

Full access to:

• Budget creation and tracking
• Manual transaction entry
• Category management
• Progress monitoring
• Partner coordination
• Mobile and web apps
• All your historical data

Perfect for:

• Manual budgeters
• Those who dislike bank connections
• Privacy-conscious users
• Budget-conscious households

Premium-Only Features

Exclusive to Premium:

• Automatic bank syncing
• Up to 10 bank account connections
• Transaction import
• Priority customer support
• Faster response times

Worth it if:

• You value time savings
• Lots of transactions monthly
• Want automated tracking
• Multiple accounts to manage

Upgrading for More Features

From Free to Premium

To unlock bank connections:

1. Go to Pricing page or tap Subscribe button
2. Choose Monthly ($5.99) or Annual ($59.99)
3. Complete checkout
4. Connect up to 10 bank accounts

Learn how to upgrade →

No “In-Between” Plan

Only two plans:

• Free (0 accounts)
• Premium (up to 10 accounts)

No:

• “Premium Lite” with 3 accounts
• “Premium Plus” with 20 accounts
• Custom account limits

Simple pricing structure.

FAQs

“What if I need more than 10 accounts?”

Options:

1. Prioritize - Connect 10 most-used accounts
2. Rotate - Disconnect inactive, add new
3. Manual entry - Track extra accounts manually
4. Contact us - We may offer custom plans for unique situations

“Do closed accounts count toward limit?”

No:

• Disconnect closed accounts
• Frees up slot
• Historical data remains
• Can reconnect if reopened

“Can I add more profiles?”

Yes:

• Unlimited profiles
• All on one subscription
• Whole household covered

“Is there a transaction limit per month?”

No:

• Unlimited transactions
• Both Free and Premium
• No caps or overages

“Can I connect the same account twice?”

Not recommended:

• Would use 2 slots
• Duplicate transactions
• Confusing to track
• Connect each account once only

Next Steps

1. Premium Plans Comparison - See full plan details
2. Managing Subscription - If you’re Premium
3. Connecting Banks - Use your Premium slots
4. Managing Accounts - Disconnect unused accounts

Questions? Contact our support team - we’re here to help!