How to cancel PocketSmith (and keep your data): downgrade, refund policy and export steps

Pick your exit: downgrade or delete

PocketSmith documents two ways out. Downgrading to the Free plan stops billing, removes your billing details and keeps your data. Deleting the account permanently removes your data. The subscription article describes no separate cancel button; downgrading to Free is how you stop paying. [1] [4] The terms of service also link a cancellation page at my.pocketsmith.com/account/cancel. [9]

Step 1: export before you change anything

Even if you plan only to downgrade, take a copy first. To export everything, go to the Transactions page, choose All transactions in the left menu, hover over Export in the toolbar and choose XLSX or CSV. Alternatively, go to Settings, User preferences, Export data and click Download a CSV under Export all transactions to CSV. [5]

To export only part of your history, create a search for those transactions first, then export. The export guide covers transactions only; it does not describe exporting budgets or categories, so screenshot or note your budget amounts and category list by hand if you will rebuild them elsewhere. [5]

Step 2: downgrade to Free

Sign in to the web app, open the Profile menu and choose Subscription and Billing. Select Switch your plan, choose the $0.00 option, then click Yes, change my plan and OK. [1]

PocketSmith warns that this change happens immediately. If you have paid until the end of a month or year, its re-enable article explains how to keep paid features until then: open the Profile menu, go to Subscription and Upgrade and click Keep using Foundation, Flourish or Fortune. [1] [3]

After downgrading, the Free plan allows 2 accounts, 2 dashboards, 12 budgets and a 6-month projection, with manual imports but no automatic bank feed support. [6] The docs we read do not say what happens to accounts beyond the Free limit, so export before you downgrade rather than after.

Refunds: the 14-day rule

The refund article sets out three cases. [2]

Mobile and app-store billing

PocketSmith says you cannot alter your subscription from within the Sidekick mobile app; sign in through a mobile browser to change or cancel. [7] Account deletion is also unavailable in the mobile app. [4]

The PocketSmith pages we read do not cover subscriptions bought through Apple's App Store or Google Play. If you are billed by a store, check that store's subscription settings as well, and contact PocketSmith support if the charge is not visible in your PocketSmith billing page.

Step 3 (optional): delete the account

In the web app, open the Profile menu, choose Subscription and Billing or Subscription and Upgrade, click Delete your account, choose Yes, delete my account, type DELETE and click Confirm. [4] The data cannot be retrieved. Per the privacy policy, financial account and transaction data is permanently deleted from production databases, and encrypted offsite backups are retained for one year before being destroyed. The policy also says account information held by your bank feed provider, including any stored usernames and passwords, is deleted. [8]

Before deleting, also review and revoke any third-party apps you connected to PocketSmith, and remove its access at your bank or aggregator where your region offers that control.

Exit checklist

• Export all transactions as CSV or XLSX and open the file to check it. [5]
• Note budget amounts and categories by hand; the export covers transactions. [5]
• Check your purchase date: within 14 days means a full refund is available on request. [2]
• Downgrade to the $0.00 plan in the web app or mobile browser, not the Sidekick app. [1] [7]
• If paid to period end, click Keep using your plan to retain paid features until then. [3]
• Request any refund from support. [2]
• Only delete the account once your export is verified; deletion is permanent. [4]