Which Mac? Apple menu → About This Mac shows the chip.
Pricing
One-time prices, no subscription. Every tier runs the same accounting: Beginner's adjusted basis is the same code as Pro's. Start with the 10-day free trial, full features, then read-only until you buy; nothing is deleted when it ends. Keys are verified on your computer and nothing is sent anywhere.
Free trial
Beginner
Pro
The first 100 Pro buyers get lifetime updates, not just 1.x.
The yourfinance companion for iPhone and Android is not in the App Store or Google Play yet. When it is, it will be free with any paid desktop tier, and during the trial: your Decision Desk on the phone, expiry reminders, and a notebook for fills that you send to your computer when you choose. How pairing will work.
| Feature | Free trial | Beginner | Pro |
|---|---|---|---|
| Price | Free for 10 days | $20, once | $50, once |
| Accounts | Unlimited | One | Unlimited |
| Positions | Unlimited | Unlimited | Unlimited |
| Covered calls and cash-secured puts, premium-adjusted basis | Included | Included | Included |
| Decision Desk, scenario engine, operating-policy rules | Included | Included | Included |
| Weekly review, income summary and income calendar | Included | Included | Included |
| Trade journal, exposure and shock scenarios | Included | Included | Included |
| Research ledger for your own notes and sources | Included | Included | Included |
| Crypto spot holdings (off until you switch it on) | Included | Included | Included |
| Imports: IBKR, DEGIRO, Trading 212, Trade Republic | Included | Included | Included |
| Backups, restore and exports | Included | Included | Included |
| Connectors: read-only fetches with your own keys | Included | Not included | Included |
| Phone companion for iPhone and Android (not in the App Store or Google Play yet) | Free when released | Free when released | Free when released |
| Priority support (replies within 2 working days) | Not included | Not included | Included |
| Updates | — | Through 1.x | Through 1.x |
| After day 10 | Read-only, nothing deleted | Keeps working | Keeps working |
The line is where your wheel outgrows one account. Every tool for running it — rolls, scenarios, policy, the journal, research — is in both tiers, and correctness is never gated: Beginner's adjusted basis is the same code as Pro's. Pro adds what only matters once you trade in several accounts: all of them in one ledger, and connectors that fetch each broker's history for you.
A sync add-on for brokers without an API may come later as a subscription, and only if enough Pro customers ask for a specific broker.
The download is the full application. For 10 days from the first time it opens, every Pro feature works, with a sample workspace pre-loaded; no account and no card. Then it is read-only until you add a key: every record stays visible, exports and backups keep working, and nothing is deleted.
Beginner keeps one named account, with unlimited positions in it. Records you enter without naming an account do not count, and neither does the sample workspace. A record that would bring in a second named account is refused before anything is written, and the app shows the upgrade. Pro has unlimited accounts.
Yes. If the application does not do what this site says, write to support@useyourfinance.com within 30 days and you get your money back. Consumers in the EU can also withdraw from the purchase within 14 days, without giving a reason. The terms set out both.
No. You pay once, and the key covers every update through 1.x; the first 100 Pro buyers get lifetime updates. There is no renewal and nothing to cancel.
Polar sells the key as merchant of record: it handles the payment, VAT and sales tax, and refunds. Any tax that applies where you live is shown at checkout, before you pay.
No. There is no yourfinance account, and keys are verified on your computer; nothing is sent anywhere. Add a key in Settings → Licence: paste it from your purchase e-mail, or click the activation link in that e-mail.