The free plan includes unlimited invoices and estimates, one business profile, five customer profiles, two invoice templates, three proposals, PayPal as the payment gateway and Payment Note for your own payment instructions. New recurring invoices, subscriptions and retainers need a paid plan, as do Worklog (projects and timesheets), the AI Assistant, Team, Lock Transactions, accounting (chart of accounts, journals, bank reconciliation and statements), bills, purchase orders, vendor credits, payments made, expenses, incomes, credit notes, payment links, the customer portal, Bank QR, Direct Pay Link and the other 14 gateways. Saving customized invoice designs and Link custom fields also need a paid plan. Recurring schedules you already run keep running, but customer subscriptions on Stripe, Razorpay, Square, GoCardless, PayFast or Airwallex are paused 30 days after an account moves to the free plan, and resume when you upgrade. The AI Assistant also needs AI credits, which are bought separately.