Frequently Asked Questions
Got questions about Liberty? Libby has answers.
What is my Recovery Number?
Your Recovery Number is the annualized total of transaction-based candidates you review and confirm. Before that review, Liberty shows a scan checklist and labels the amount pending—never $0 and never a guess. Modeled debt interest stays separate.
Is Liberty Budget really free?
Yes! You can use the complete 2-minute learning path, safe daily spend donut, envelope budgeting, and manual/CSV transaction imports completely free forever. No credit card required.
What is Liberty Gold?
Liberty Gold is our premium upgrade for $8.99/mo or $74.99/yr (about $6.25/mo billed annually). It adds automatic bank synchronization via Plaid for supported accounts, unlimited quiz hearts, and streak freezes.
What is included in the free trial?
The free plan includes everything manual, forever: your personalized plan, the Path, the daily session, debts, budgets, transactions, CSV imports, reports, streaks, and community. No card, no expiry. Liberty Gold adds automation.
Do I have to connect my bank account?
Never. You can log expenses with our fast quick-entry button or drag-and-drop bank CSV files. Automatic bank sync is completely optional, requires a paid Liberty Gold subscription, and works only with supported institutions and accounts.
How does the Safe Daily Spend work?
Every morning, Liberty divides your remaining monthly discretionary money by the number of days left in the month. Stay under that number each day and the month stays on plan.
Can Plaid connect credit cards as well as bank accounts?
When production connections are enabled, Plaid can connect many supported checking, savings, and credit-card accounts through the same Link flow. An active paid subscription is required, and coverage varies.
The Connections page shows whether automatic account connections are currently available. Manual entry and CSV are available either way.
Can I cancel Liberty Gold anytime?
Yes. Cancel online from your Profile without contacting support and without a cancellation fee. Paid access normally continues through the end of the current billing period.
Can I export or delete my data?
Always. You own your data 100%. You can export your full transaction history to CSV or completely wipe your account with one click in your settings.