Delete your account

You can permanently delete your Beyond Payday account yourself from Settings. Deleting is final: it cancels your subscription with no refund and removes personal and financial data from our active databases. Limited records may remain as described in the Privacy Policy (opens in a new tab). The account owner and a spouse or partner can delete their account, and deletion cannot be undone.

Before you start

• Owner, or spouse/partner. A child's login is deleted by their parent, so the delete option does not show for children.
• There is no undo. Once you confirm, the account and its active personal and financial data are removed. Limited records may remain under the Privacy Policy.
• Download your data first. Deletion removes the active account data, so if you want to keep a copy, use Download my data on the Your Data card in Settings before you delete. Afterward there's nothing left to retrieve.
• Deleting the owner deletes the whole family. Every family member loses access right away.
• A spouse or partner leaves first. If you were invited to someone else's household, deleting your account removes you from it first. The owner keeps the household and its data.

Steps

1. Go to Settings (opens in a new tab) and scroll to the Danger Zone card.
2. Choose Delete Account.
3. In the pop-up, read the warnings. In the confirmation box, type the exact phrase shown, which is DELETE MY ACCOUNT followed by your email — for example, DELETE MY ACCOUNT you@example.com.
4. If other people are in your household, tick I understand this deletes the whole household for everyone.
5. Choose Permanently Delete Account. The button stays locked until the phrase matches exactly (and the box is ticked, when shown).

Leave a household without deleting your account

If you are a spouse or partner in someone else's household and just want out:

1. Go to Settings (opens in a new tab) and scroll to the Danger Zone card.
2. Choose Leave household. If you want a copy of your data first, use Download my data on the Your Data card above it before you leave.
3. Confirm in the pop-up.

You lose access to that household and are signed out. Your own login stays, and you can sign in again. The owner keeps the household's data and can invite you back. Owners can't leave (they delete the account instead), and a child's login is removed by their parent.

What deletion removes and what is kept

• Removed for good: your income, bills, assets, debts, goals, businesses, retirement settings, snapshots, family members, and your profile and login.
• Billing is canceled: any active subscription is canceled through Stripe as part of deletion. No refund is issued.
• Billed by Apple? Deleting your account does not cancel a Pro plan billed through the App Store. Cancel it in your App Store subscriptions to stop future charges. The delete dialog says so.
• Kept about 7 years: a small set of billing identifiers (such as an email tied to past invoices and referrals) is retained for tax and legal record-keeping, as described in the Privacy Policy. Everything else is erased.

Inactive households

If no one in a household has signed in for 12 months, we may close the household's account and permanently delete its data. Before we do, we email every member with a confirmed email address 30 days ahead, then again 7, 3, 2 and 1 days ahead, with the closing date. Signing in once, by anyone in the household, keeps it open. Households on a paid plan or in a free trial are never closed this way. No warnings go out before November 13, 2026.

Good to know

• Just want to stop paying? You don't have to delete. Downgrading to Free keeps your account and data — see "Cancel or change your plan."
• Deletion is immediate. There is no grace period or "restore within 30 days" window.
• If the Permanently Delete Account button won't turn on, check that the typed phrase matches the on-screen phrase exactly, including your email.