Free and Plus

The free plan gives the full projection, every year, with Australian tax, super, duty and HELP; the Net position chart; each year's totals, with basic tax and cash flow insights; up to four milestones; up to 15 assets, debts, incomes and expenses together, one of them earning income; four rules for spare cash besides the last, Everything else; stamp duty and purchase costs estimated; three Ask Runway questions a month; a public link to your plan; and your plan and today’s balances saved to your account. The free plan has no end date. A plan that holds more when Plus ends keeps all of it: everything still works and can be changed or removed, and adding more is part of Plus.

Plus is A$149 a year, GST included, billed yearly. It adds unlimited milestones, cards and rules for spare cash, income from every asset, every chart view and the table, advanced tax and cash flow insights (each line of a year and each person’s tax workings), stamp duty and purchase costs calculated for the property’s state, what-if mode, the four smart plans, net worth tracked month by month, CSV and PDF export, colour themes, and unlimited Ask Runway questions within a fair-use allowance.

Anything that is part of Plus shows a padlock on the free plan. Choosing it shows what it does, with an example, and Upgrade. The account page has Upgrade to Plus too, or Renew Plus if you have had it before.

In a plan shared with you, you get what both your account and the owner’s include: Plus features need Plus on both, and each limit is the lower of the two. A public link always shows the free view, whoever opens it.

What each plan includes can change, as the terms describe. A new price applies from your next renewal, with at least 30 days’ notice by email.

Before you pay

• There is no free trial and no refund for a change of mind or part of a year: the free plan is the trial. A charge made in error is refunded, and your rights under the Australian Consumer Law are not affected.
• Payment is taken by Stripe; we never see your card.
• The price shown is the price charged, in Australian dollars.

Export

On Plus, Export your plan on the account page gives every year’s figures as a CSV for a spreadsheet, or the chart, the year table and every priced settlement statement as a PDF from your browser’s print window, in the dollars you have chosen.