How can we help?

MakeChange is a personal finance app built around your calendar. You schedule your income and bills as events, and the app calculates your real balance day by day — so you always know what's safe to spend before you spend it.

Yes. The calendar (2 entries per date), net worth tracker (assets minus debts) and projections, Safe to Spend, streaks and rewards, and the AI assistant (2 answers a day) are all free.

MakeChange Premium ($9.99/month or $59.99/year) adds unlimited calendar events and AI answers, bill reminders, the paycheck allocator, What If? scenarios, the debt payoff planner, projection insights, and monthly report cards. You can also try Premium for 24 hours with a day pass: free for each friend you refer or for a 30-day streak, or $1.99.

Open the app and sign up with Sign in with Apple (fastest) or with your email and a password. No credit card is required to get started.

MakeChange is built for iPhone and requires iOS 15 or later.

Tap any day on the calendar to add an event — income (e.g. payday) or a bill (e.g. rent, Netflix). Give it an amount and set how often it repeats. MakeChange uses these events to project your balance forward so you can see exactly where you stand on any given day.

It's your projected balance based on the income and bills you've scheduled. It updates automatically as you add or edit events. Think of it as a forward-looking view of your money — not a live bank feed.

Yes. When adding an event you can set it to repeat daily, weekly, every 2 weeks, monthly, or yearly. It works well for paychecks, rent, and subscriptions.

The assistant reads your calendar — your scheduled income, bills, and balance — and answers questions about your money in plain language. Ask things like "Can I afford to eat out this week?" or "What's my biggest upcoming expense?"

Free accounts get 2 AI answers per day. MakeChange Premium includes unlimited answers.

The assistant only sees the events you've added to your MakeChange calendar — it does not connect to your bank or have access to any external accounts. Your calendar data is sent securely to process your question and is not stored or used for training.

Open the app every day to build your streak. Miss a day and it resets to zero. Your streak is shown on the home screen — tap it to see your rewards progress.

• 7 days — Unlock your referral code. You get a free 24-hour Premium pass for every friend who joins with it.
• 30 days — Claim a free Premium day pass.
• 180 days — 2 free weeks of Premium (15 days).
• 1 year — A free month of Premium (30 days).

Free Premium time from rewards unlocks every Premium feature except unlimited AI answers, which stay at 2 a day unless you subscribe or buy a Day Pass.

Your code unlocks at a 7-day streak — find it in Settings → Rewards and share it. When a friend signs up and enters it in Settings → Rewards, you can claim a free 24-hour Premium pass. Codes work for new accounts, each account can enter one code, and you can claim up to 5 referral passes a month.

A day pass gives you 24 hours of full Premium access. You get one free for a 30-day streak or for each friend who joins with your referral code, or you can buy one in the app for $1.99. It doesn't renew, so it's an easy way to try Premium before subscribing.

Everything in the free plan, plus:

• Unlimited calendar events and AI answers
• Bill reminders 2 days before each payment
• Paycheck allocator, What If? scenarios, and the debt payoff planner
• Projection insights: why your balance dips or grows
• Monthly report cards and insights

Premium is $9.99/month or $59.99/year and renews automatically until you cancel.

Subscriptions are managed by Apple. In MakeChange, go to Settings → Manage Subscription, or on your iPhone open Settings → your name → Subscriptions, choose MakeChange, and tap Cancel Subscription. Cancel at least 24 hours before your renewal date to avoid the next charge. You keep Premium until the end of the period you've paid for.

Payments are processed by Apple, so refunds are handled by Apple too. Request one at reportaproblem.apple.com.

In MakeChange, go to Settings → Restore Purchases. This checks your Apple ID for an active subscription and turns Premium back on. If that doesn't work, email us at support@getmakechange.com and we'll sort it out.

Go to Settings → Delete Account in the app. This permanently removes your account and all associated data, and can't be undone.

Deleting your account doesn't cancel an App Store subscription. Cancel it first under Settings → Manage Subscription so you're not charged again.

No. MakeChange does not sell or share your personal data with third parties for advertising purposes. Your calendar and financial data are yours.

On the sign-in screen, tap Sign In with Email, then tap "Forgot password?" to receive a reset link. If you signed up with Apple, you don't have a password — use Apple Sign In.

First, try closing and reopening the app. If the issue continues, sign out and back in from Settings. Make sure you're on the latest version of MakeChange from the App Store.

If the problem persists, email us at support@getmakechange.com with a description of what happened and we'll investigate.

Double-check that your income and bill events are set to the correct amounts and recurrence. The balance is calculated entirely from your scheduled events, so adding or editing them will update it immediately.

Check your spam or junk folder. If it's not there, try signing in directly — in some cases your account may already be active. If you're still stuck, email us and we'll manually verify your account.