Usage Guide

Everything you need to know

From first setup to FIRE dashboard — step-by-step guides for every feature.

Plans & Upgrades

Core tracking is free. Paid plans unlock more.

SG Finance Tracker offers three tiers. Core expense tracking is free forever — paid plans unlock higher limits and premium features.

Feature	Free	Plus ($7.90/mo)	Pro ($19.90/mo)
AI Queries	3/mo	30/mo	Unlimited
Receipt Scans	3/mo	30/mo	Unlimited
Templates	3	10	30
Recurring	1	5	20
Budgets	2	12	12
Reminders	2	5	20
FIRE Dashboard	Basic	Full	Full
Net Worth	—	Yes	Yes
Monthly Reports	—	Yes	Yes
Weekly AI Digest	—	Yes	Yes
Daily Streaks	Yes	Yes	Yes

Checking your plan

Send /usage in the bot to see your current quotas. Use /request if you need higher limits.

Upgrading & downgrading

Plus → Pro

Immediate access to all Pro features. Billing is prorated — you only pay the difference for the rest of your current cycle.

Downgrading

Your Google Sheet and all data stay exactly as they are. Limits reduce to match your new plan. No data is ever deleted.

Tip

Need more than the free limits? Use /request in the bot to let us know what you need.

Early Access

Boosted limits by invitation.

Early Access is granted by invitation. Use /request in the bot to express interest, or ask in the community. Early Access users get permanently boosted limits that sit between Free and Plus.

Perk	Free	Early Access
AI Queries	3/mo	15/mo
Receipt Scans	3/mo	10/mo
Templates	3	5
Recurring	1	2
Budgets	2	5
FIRE Dashboard	Basic	Full
Net Worth	—	Yes
Monthly Reports	—	Yes
Weekly AI Digest	—	Yes

Note

If you upgrade to Plus or Pro, you get all paid features on top of your Early Access perks. If you later cancel your paid plan, you go back to Early Access — not Free. You never lose your boosted limits.

Account Management

Manage your connection, data, and preferences.

/reconnect

Re-authorize your Google account if your connection expires or you switch Google accounts. Your existing data stays intact.

/disconnect

Disconnect your Google account and delete your data from our servers. Your Google Sheet stays in your Drive — we never delete it.

/settings

Toggle daily spending nudges, monthly reports, weekly AI digest, and other notification preferences.

Important

/disconnect permanently deletes your account data (age, tier, preferences) from our servers. Your Google Sheet is not affected — it's in your Google Drive. To use the bot again after disconnecting, run /start to set up a fresh account.

Financial Planning

Reference