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Do I have to pay annually, or can I pay monthly?

Both options. Annual billing credits one full month against the year. Mid-year tier upgrades on annual billing pay the full new annual minus credit for the original prepayment, with the term resetting to a fresh 12 months.

You have both options. The published prices on the website are monthly. Annual billing is available on any tier and credits one full month against the year — pay upfront for twelve months and the thirteenth is at no cost. You can switch from monthly to annual at any time, and you can switch back from annual to monthly by informing us before your next renewal date. All payments run through Stripe. Mid-year tier changes work differently for monthly versus annual subscribers — the math for both is below.

Monthly is the default

Every tier — Grow at $250/month through Enterprise Plus at $10,000/month — is published in monthly terms. If you sign up at any tier without choosing the annual discount, you are billed each month at the published rate. There is no minimum length contract within the year beyond the standard auto-renewing annual subscription terms (see the FAQ on cancellation policy for the renewal mechanics).

Annual billing — one month free

The annual option works exactly the way it's published: pay the year upfront, and one month is credited at no cost. The discount is available on any tier, can be activated at any time, and applies to your next renewal cycle. The credit is calculated against the tier you're on at activation.

Practical math at each tier:

Tier

Monthly

12 × monthly

Annual upfront (12-month-free)

Grow

$250

$3,000

$2,750

Build

$500

$6,000

$5,500

Adapt

$650

$7,800

$7,150

Sustain

$1,375

$16,500

$15,125

Business

$2,250

$27,000

$24,750

Business Plus

$3,500

$42,000

$38,500

Enterprise

$6,000

$72,000

$66,000

Enterprise Plus

$10,000

$120,000

$110,000

Switching between monthly and annual

  • Switching from monthly to annual — activate at any time. The discount applies at your next renewal date.

  • Switching back from annual to monthly — inform us before your next renewal date. Once renewed annually, you stay on annual through that renewal cycle.

Mid-year tier changes — monthly subscribers

Monthly subscribers can change tiers every month, in either direction. Mid-month change requests take effect on the first of the following month. There are no change fees and no cap on how many times you can move. You're billed at the new tier's monthly rate starting the month the change takes effect.

Mid-year tier upgrades — annual subscribers

Annual mid-year upgrades work as follows: you pay the full annual price of the new tier at the time of upgrade, and we apply a credit for the full original annual prepayment you made for the year. Your annual term then resets to a fresh 12-month period starting at the upgrade date.

Worked example. Customer on Adapt annual ($7,150 prepaid for the year), 6 months into the term, upgrades to Sustain (annual price: $15,125):

  • New tier annual price: $15,125

  • Credit for original prepayment: −$7,150

  • Due at upgrade: $7,975

  • Annual term resets to a fresh 12 months of Sustain starting at the upgrade date.

The same math applies at any upgrade jump: pay the full new annual, get credit for the full prepayment, fresh 12-month term starts.

Mid-year tier downgrades — annual subscribers

Annual subscribers cannot downgrade mid-year and recover unused balance. The annual rate is priced under the assumption of a 12-month commitment at the chosen tier; downgrading mid-year forfeits the unused portion of the original prepayment.

If you're on annual and need a lower tier, the practical path is: stay at your current tier through the end of the annual term, change to monthly billing for the next renewal cycle, and operate at the lower tier monthly going forward. Or wait until renewal to switch annual at the lower tier.

This is the trade-off for the annual discount. Monthly billing keeps full tier flexibility in both directions every month; annual trades that flexibility for the one-month-free discount.

Payment methods

All electronic payments accepted through Stripe — credit card, ACH, and the rest of the Stripe-supported methods. Recurring billing is available for every plan, monthly or annual.

Why both options are published

The brand commitment on pricing is that every term is published. Some customers prefer the predictability and discount of annual billing; others prefer monthly cash flow and the option to flex tiers month-to-month in either direction. Both are first-class options, and the math is the same for everyone — no hidden tiers, no enterprise-only annual rates, no negotiation.

Related questions

  • How does FileTrac pricing work, plain English?

  • What's actually included at every pricing tier — and what costs extra?

  • What's your cancellation policy if FileTrac doesn't work out?

  • Are there long-term commitments or auto-renewal traps I should know about?

  • How long does setup take from sign-up to working real claims?

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