What Skylight Plus is and who it's for

Skylight Plus is a paid subscription service from Skylight Financial that gives you access to their full suite of money management tools. Unlike the free Skylight app, the Plus version removes ads, adds features for tracking investments and net worth, and includes priority customer support. You pay a monthly or annual fee to keep these features active.

Skylight Plus is designed for people who want more detailed tracking than a basic budgeting app offers — particularly those who hold multiple accounts across different banks, investment accounts, or retirement savings. It's not a bank account itself; it's software that connects to your existing accounts to show you a complete picture of your money.

The subscription is optional. The free version of Skylight still works for basic budgeting and bill tracking. You choose Plus only if the additional features match what you need to manage your money.

Key Takeaways

  • Skylight Plus costs a monthly fee (the exact amount varies by region and changes periodically, so check the app for current pricing).
  • The subscription removes ads from the free version and adds investment tracking, net worth monitoring, and priority support.
  • You can cancel at any time; there is no lock-in contract or early termination fee.
  • The free Skylight app continues to work for basic budgeting even if you don't subscribe to Plus.
  • Skylight Plus does not replace a bank account or brokerage account — it only displays information from accounts you already own elsewhere.

What features come with Skylight Plus

The Plus subscription adds several layers to what the free app offers. You get investment account tracking, which means you can connect brokerage accounts, retirement accounts, and other investment holdings to see them alongside your checking and savings. The app then calculates your total net worth across all connected accounts and updates it as your balances change.

You also receive priority customer support, meaning your questions go to a support queue ahead of free-tier users. The subscription removes all advertisements from the app interface. For some users, this alone makes the monthly cost worth it if they find ads distracting while budgeting.

Additional features may include advanced reporting, custom spending categories, or goal-tracking tools — the exact list changes as Skylight updates the app. Check the subscription details in the app itself to see the current feature set before you commit to paying.

How much Skylight Plus costs

Skylight Plus charges a recurring monthly subscription fee. The exact amount varies depending on your region and changes periodically as the company adjusts pricing. There is no single price that applies everywhere or stays the same indefinitely.

You can usually choose between paying month-to-month or committing to an annual plan. Annual plans typically offer a lower per-month cost than paying monthly, but you pay the full year upfront. Month-to-month gives you flexibility to cancel without losing money if you decide the features don't fit your needs.

To find the current price for your location, open the Skylight app and navigate to the subscription or settings section. The app will show you both the monthly and annual options before you commit to anything.

How to start and stop your subscription

To subscribe to Skylight Plus, open the app and look for a "Subscription," "Upgrade," or "Plus" section — the exact label depends on which version of the app you're using. Tap the option to view pricing and choose between monthly and annual billing. Enter your payment method (usually a debit or credit card) and confirm the purchase. Your subscription begins when ready, and the first charge appears on your card right away.

To cancel, go to the same subscription settings area in the app and select the option to downgrade or cancel. Most subscriptions end at the end of your current billing cycle — if you cancel mid-month on a monthly plan, you keep access until the next billing date. If you're on an annual plan, cancellation typically takes effect when that year ends, though some services offer prorated refunds if you cancel early. Check the cancellation screen for the exact date your access will end.

There are no penalties for canceling. You won't owe anything beyond what you've already paid, and you can resubscribe later if you change your mind.

What happens to your data if you cancel

If you cancel Skylight Plus, your account doesn't disappear — you straightforward drop back to the free version of the app. Your transaction history, budget categories, and connected accounts remain in the app, but you lose access to the Plus-only features like investment tracking and priority support. Ads return to the interface.

Your actual bank accounts, investment accounts, and money are not affected by canceling the subscription. Skylight is only software that reads information from those accounts; it doesn't hold your money or control it. Canceling Skylight Plus changes nothing about your actual finances.

If you resubscribe later, your previous data is usually still there, though this depends on how long you've been inactive and Skylight's data retention policies. Contact Skylight support if you're unsure whether your old data will be restored.

How Skylight Plus compares to other money management subscriptions

Several other apps offer similar paid tiers: Mint Premium (now part of Intuit), YNAB (You Need A Budget), and Personal Capital all charge monthly subscriptions for advanced tracking and support. The main differences are in which features each one prioritizes and how much they cost.

YNAB focuses heavily on budgeting and requires you to enter transactions manually or connect accounts for automatic updates; it costs more per month than Skylight Plus but appeals to people who want strict budget control. Personal Capital emphasizes investment tracking and financial planning; it's designed for people with substantial investment portfolios. Mint Premium (before its shutdown) offered ad-free browsing and priority support but was less focused on investments.

Skylight Plus sits in the middle — it handles budgeting, bill tracking, and investment monitoring without requiring manual entry, and it costs less than some competitors. The best choice depends on whether you prioritize budgeting discipline (YNAB), investment focus (Personal Capital), or a balanced view of all your money (Skylight Plus).

Frequently Asked Questions

Can I use Skylight Plus without connecting all my accounts?

Yes. You can connect as many or as few accounts as you want. Many people connect only their checking account and one investment account, or skip investments entirely and track only spending. Skylight Plus works with whatever accounts you choose to link.

Does Skylight Plus give me investment information?

No. Skylight Plus tracks your investments and shows you performance, but it does not recommend what to buy, sell, or hold. It's a viewing tool, not an advisory service. For investment decisions, you would need to speak with a financial advisor or do your own research.

What payment methods does Skylight Plus accept?

Skylight Plus typically accepts major debit and credit cards. The exact list of accepted payment methods appears during checkout. Some regions or account types may have additional options like digital wallets, but card payment is the standard method.

If I downgrade from Plus to the free app, do I lose my budget categories?

No. Your budget categories, spending history, and account connections stay in the app when you downgrade. You only lose access to features that are exclusive to Plus, like investment tracking. Your data remains intact.

Can I get a refund if I change my mind after subscribing?

Refund policies vary. Some subscription services offer a short window (often 7 to 14 days) to request a refund if you change your mind. Check Skylight's terms of service or contact their support team to learn the refund window for your region and billing cycle.