Variable income means some months you're cooking and some months you're rebuilding. Pause is built for the rebuild months — you keep your reserves, allocation rules, and history intact, you stop paying, and you come back when revenue picks up.
When to pause vs. cancel vs. downgrade
- Pause if the gap is short — a slow quarter, a sabbatical, a parental leave. You keep paid features at the moment they resume; you skip the bill in between.
- Downgrade if the lower tier covers what you need long-term. Switch to monthly + lower tier and stop paying for capacity you're not using. See Upgrading or downgrading mid-cycle.
- Cancel if you're done for the foreseeable future. Cancellation drops you to the free tier and stops billing — you keep your data and can re-subscribe any time. See Cancelling your subscription.
How to pause
- Open Settings → Billing → Subscription.
- Click Pause subscription.
- Choose the pause length — 1, 2, or 3 months. The pause begins at the start of your next billing cycle.
- Confirm. You'll see "Paused until [resume date]" on the billing screen.
You'll get an email confirmation with the resume date and a one-click link to resume early if revenue picks up sooner than expected.
What you can do while paused
- Log in. Your account stays accessible.
- View everything. Reserves, transactions, allocation history, tax records, reports — all visible.
- Export. Run full data exports and download invoices any time. See Downloading past invoices.
- Manual entry only. Plaid and Stripe sync are paused; you can still log income or expenses by hand if you want to keep the record continuous.
What pauses with you
- Bank/Stripe sync — connections stay configured but stop fetching new transactions.
- AI features — Deep Dive, the AI chat widget, AI Support are tier-gated and turn off for the pause window.
- Auto-allocation, surplus rules, and What-If simulations don't fire automatically. They resume the moment your subscription resumes.
- Workspace seats stay assigned but go read-only for non-owner members.
Resuming early or extending
Resume any time before the scheduled resume date — Settings → Billing → Resume now. We charge a prorated amount from today through your next renewal date and turn everything back on immediately.
Need more than three months? Email support@reservwise.com before the pause ends and we'll either extend or convert to a cancellation depending on what you need. Or pause again at the end of the cycle for another up-to-three months — there's no annual cap.
Pausing on an annual plan
Pause on annual extends your renewal date by the pause length — you don't lose months you've already paid for. Pause for 2 months, your renewal moves out 2 months. The math is conserved.
Related
- Cancelling your subscription
- Upgrading or downgrading mid-cycle
- Turning on Lean Month Mode
- Updating your payment method
Pause is for hustlers between waves. We'd rather have you back in three months than gone forever.