Keep an eye on your biggest asset for less than a coffee a month

Yes — 14 days on the annual plan, once per account and per email address. No charge until the trial ends, and you can cancel before then at zero cost. Two things to know so nothing surprises you: the trial is on the annual plan (month-to-month starts billing right away), and during the trial the PMI Removal Kit is read-only. Everything else in the Kit — your removal dates, the appraisal playbook, and tracking PMI removal — is available now, while the lender-letter download unlocks with your first payment. Everything else in Pro is active from day one. If you start a trial now and then cancel it, Pro ends straight away, not at the end of the trial.

Yes. Cancel anytime from Manage Plan. If you started checkout for your free trial at or after 00:00 UTC on October 14, 2026 (8:00 PM Eastern, 5:00 PM Pacific on October 13), cancelling the trial ends Pro straight away, and you are not charged. If you started it before then, you keep Pro until the trial ends, and you are not charged. Manage Plan tells you which applies to you before you confirm. On a paid plan, you keep Pro until the end of the period you have already paid for, and you are not charged again.

Yes, anytime from Manage Plan. Annual billing is $60/yr (about $5/mo), roughly 38% less than paying $8/mo month-to-month.

The Kit walks you through one job: getting PMI off your loan. You get both key dates — the month you can request cancellation, and the month it should end on its own if you are current. You get a formal request letter to your servicer, filled in with your own numbers and citing the law. You get an extra-payment plan and an appraisal playbook for pulling the date in. And you can track your request until the PMI is gone. The Kit comes with both yearly plans. It does not come with the month to month plan, so the row switches off when you pick monthly. On a yearly plan the letter unlocks with your first payment. So if you are in your free trial and need the letter today, choose Start Pro now and unlock on the Kit page. Your trial ends, you make your first payment, and the letter unlocks once that payment goes through. The Kit is not sold on its own during a trial, since your plan includes it. Free and monthly members can buy it on its own for $99.

Now and then, yes. If you think about leaving, we may offer you a lower price to stay. We want Pro to be worth far more to you than it costs.

Yes. The tracker and your full loan model are free to use. There is no time limit and no card. We have no plans to change that, and if we ever did, we would tell you well ahead of time. Move up to Pro only if you want the alerts and tools that watch for savings on your behalf.