Free, Family, Pro: which tier do I need?

Most people who sign up for Haven stay on Free, and that's the right call. The upgrade decision usually comes down to one of three things: you want to keep more than one saved plan around, you want to share a household view with a partner, or you want the deeper tax and withdrawal optimization that drives a real retirement decision.

Here's what each tier actually gives you, and how to tell which one matches what you're trying to do.

Free

Free is the full tracking app plus most of the analysis surface. You get up to 5 accounts, 1 saved plan, the projection chart, Monte Carlo simulation, FIRE flavors, and the standard tax-advantaged account modeling. CSV export, bulk updates, advanced filters, and the historical importer all live on Free too.

The two real limits are the account cap and the single saved plan. If you're tracking your own net worth and exploring one retirement scenario, Free is genuinely enough — Haven is built so the headline number on the dashboard works the same on every tier.

Who it's for: solo users tracking net worth, anyone exploring a single retirement plan, anyone trying the app before committing.

Family — $4.99 USD/year

Family is the household tier. It removes the account cap (unlimited accounts) and raises the saved-plan limit to 4 — framed as one personal plan plus three you share with your household. It adds the household shared view so a partner can see the same dashboard, Google Drive export for CSV and Sheets, and the greedy withdrawal sequencing heuristic.

Who it's for: couples or households tracking finances together, and anyone who runs more than one retirement scenario in parallel — for example, a "retire at 55" plan, a "retire at 60 with the cottage" plan, and a "what if we move to BC" plan, all saved side by side instead of overwriting one.

At $4.99 a year, it's priced as the household-sharing fee, not as a "premium product."

Pro — $24.99 USD/year

Pro is the optimization tier. It removes the saved-plan limit entirely (unlimited plans) and unlocks the features built around making real tax and withdrawal decisions:

• Tax-efficient DP withdrawal optimizer (instead of the greedy heuristic on Family)
• Roth conversion optimizer with breakeven analysis
• CPP/QPP claiming optimizer (121-option brute force) and Social Security claiming
• RRSP meltdown strategies, OAS clawback projection, pension income splitting
• Vanguard target-date glide-path modeling
• Estate projector (after-tax estate trajectory) and real-estate modeling (property + mortgage amortization)
• Advisor sharing (read-only link), priority support

Who it's for: people within roughly 10 years of retirement (or in it) who are making real decisions about when to convert to Roth, when to claim CPP or Social Security, how to draw down across taxable / RRSP / TFSA / 401(k) / Roth in tax-efficient order, and what the estate looks like after tax. Also for anyone who's working with an advisor and wants to share a live read-only view.

How to decide

Three forcing questions:

1. Do I want to save more than one full plan? If yes, you need at least Family.
2. Is someone else in my household going to look at this with me? If yes, you need Family.
3. Am I making tax-and-sequencing decisions where the optimization actually moves money? If yes, Pro pays for itself.

If none of those are yes, Free is the right answer. Don't pay for optimization you're not going to use.

Cancellation

You can cancel either paid tier any time from Settings → Billing. The cancellation takes effect at the end of the period you've already paid for — you keep paid features until that date and then you're moved back to Free. Your data stays exactly where it is. See the cancel-your-subscription article for the step-by-step.

Trials

Both Family and Pro come with a 7-day free trial. You're not charged until the trial ends, and you can cancel inside the trial without being billed.