debtmo
Settings

Paid Plaid sync

Keep the free manual planner active today, then join the paid sync path when connected account updates are ready.

Upgrade path
Manual planning stays free. Plaid sync becomes the paid option once the protected data path is ready.

Free manual planner

Best for starting today without connecting accounts.

Available now
$0
Manually enter planning-level bank and debt details.
Update balances and payments yourself.
No bank login, account number, routing number, or credit pull.

Paid Plaid sync

Best when connected updates are worth the monthly upgrade.

Waitlist
Paid
Connect supported accounts through Plaid Link.
Refresh balances and account metadata through server-side sync.
Requires auth, billing, data ownership checks, and token storage first.
What paid sync should handle
These are product targets, not live account-connection features yet.
Connected account and liability metadata for supported institutions.
Balance refreshes that reduce manual upkeep.
Clear separation between manual planning data and provider-synced records.
Opt-in paid upgrade path instead of requiring sync for free users.
Join waitlistStay manual
Billing foundation
Stripe billing state exists as a gate now. Checkout stays disabled until auth and server storage are ready.
Free manual planner

Current billing status: free. Paid sync access is locked.

Locked
Supabase AuthPending

Required before a Stripe customer or subscription can be attached to a real owner.

Stripe secret keyPending

Server-only key for Checkout Sessions and webhook verification.

Paid sync Price IDPending

Use a Stripe Price for recurring paid sync billing; do not use deprecated Plan objects.

Stripe webhook secretPending

Needed to update subscription state from checkout, renewal, cancellation, and past-due events.

Billing state storagePending

Persist plan, status, Stripe customer, and subscription IDs after Supabase is available.

Paid sync readiness
What has to exist before the Plaid button belongs in the product.
Supabase Auth
Pending

Users need verified accounts before debt records or sync state can be associated with an owner.

Billing state
Pending

Paid sync should only unlock after checkout, subscription state, and webhook updates are in place.

Plaid token exchange
Pending

Public tokens must be exchanged only in authenticated server-side routes, never in the browser.

Owned sync storage
Pending

Access tokens and synced account records need encrypted/server-only storage with row ownership controls.

Request paid sync access

Capture interest now. The actual Plaid connection flow should wait for authenticated accounts and billing controls.

Manual entry is for planning details only. Do not enter credentials, account numbers, or routing numbers.