Frequently asked questions
What is the difference between Free and Pro?
Free is the complete plan: your accounts, house, mortgage and pension projected to 100, with the imports and the wellness metrics. Pro answers the questions that come after it — what if I stop earlier, what would a crash do, how healthy is the whole picture, what do I really spend — and lifts the limits on AI questions, signals, goals and watchlists.
Can I cancel any time?
Yes. Send one message through the contact form and the next payment is not taken; Pro stays active until the end of the period you paid for.
Do I need a credit card to start?
No. The free plan asks for no payment details at all. Pro is paid through Mollie at checkout; there is no trial period.
Is my financial data safe?
Your data is stored on servers in the EU. There is no bank connection — you upload exports, so there is nothing to authorise or revoke — and you sign in without a password, with a one-time code by e-mail. Uploads and the AI features are processed by the providers named in the privacy policy, and you can download or delete your data from Settings at any time.
Can I switch between monthly and yearly?
Yes — at the end of your current period. Send a message through the contact form and we set it up; nothing is charged twice.
Do you offer refunds?
If you're not happy in the first 30 days of a paid plan, email support and we'll refund you — no questions asked.
What payment methods do you accept?
Checkout runs through Mollie, the Dutch payment provider, and shows the payment methods available in your country.
Is this financial advice?
No. VrijVermogen explains and tests your own numbers; it does not recommend products and it is no substitute for an adviser. The dashboard has a tile to request a paid one-to-one session if you want a human opinion.