We keep billing simple and transparent. You're charged monthly on the same date you subscribed. If you add team members, they're included in your plan's seat limit. Need to make changes? You can upgrade, downgrade, or cancel anytime from your billing settings. All payments are processed securely through Stripe.

Workspace owners can find all billing statements and invoices in Account Settings. Just click on your profile icon, select "Billing & Invoices", and you'll see your complete billing history. You can download any invoice as a PDF, and we also email receipts after each payment.

If there's a failed payment for your workspace, we'll automatically retry a few times over the next week before taking any action. We'll email you immediately so you can update your payment method. During this time, you'll still have full access to your workspace and data.

Since Bluto is built specifically for startups, our pricing is already designed to be accessible for early-stage companies. We start with a generous free plan, and our paid plans are priced with bootstrapped startups in mind. For educational institutions looking to provide access to students or staff, contact [email protected] to discuss custom solutions.

You can cancel your subscription anytime from your billing settings - no need to contact us or jump through hoops. Once cancelled, you'll keep access until the end of your current billing period. Your data stays available for export, and you can always reactivate later if you change your mind.

We accept all major credit and debit cards including Visa, Mastercard, and American Express. Payments are processed securely through Stripe, so your payment information is protected with bank-level security. Need a different payment method? Contact us at [email protected] and we'll see what we can do.

Absolutely! You can change your plan anytime from your account settings. Upgrades happen immediately with prorated billing (you only pay for what you use). Downgrades take effect at your next billing cycle. If you're downgrading and have more models than the new plan allows, we'll help you choose which ones to keep active.

You'll need access to your email inbox to reset your password. Here's how: 1. Go to the login page and click "Forgot Password" 2. Enter your email address 3. Check your email for a reset link (it's valid for 24 hours) 4. Click the link and create your new password Don't see the email? Check your spam folder. Still having trouble? Contact [email protected] and we'll help you out.

If you know your current password, it's easy to change it: 1. Click your profile icon in the top right 2. Select "Account Settings" 3. Go to the "Security" tab 4. Click "Change Password" 5. Enter your current password, then your new one Tip: Use a strong, unique password that you don't use anywhere else.

Adding two-factor authentication gives your account extra security. Here's how to set it up: 1. Go to Account Settings > Security 2. Click "Enable Two-Factor Authentication" 3. Use your authenticator app (like Google Authenticator or Authy) to scan the QR code 4. Enter the verification code from your app 5. Save your backup codes somewhere safe - you'll need these if you lose your phone!

Need to update your card? No problem: 1. Go to Account Settings 2. Select "Billing & Invoices" 3. Click "Update Payment Method" 4. Enter your new card details 5. Click "Save" Your new payment method will be used for your next billing cycle.

You can usually change your email address in Account Settings > Profile. If you can't, there might be a couple of reasons: • Another account in your workspace is already using that email address • Your workspace uses single sign-on (SSO) which manages emails externally To change your email when it's available: Go to Account Settings > Profile, enter your new email, and verify it through the confirmation link we'll send.

Let's get this fixed. Try these steps: 1. Check your spam or junk folder - sometimes our emails end up there 2. Add [email protected] to your contacts 3. Check if your email provider is blocking automated emails 4. Make sure your email address is spelled correctly in your account settings Still not working? Use the contact form below or email [email protected] directly and we'll investigate.

To delete your account: 1) Export any data you want to keep, 2) Go to Account Settings > Advanced, 3) Click "Delete Account", 4) Confirm deletion. Your data will be retained for 30 days for recovery, then permanently deleted. Active subscriptions will be cancelled.

Each unique financial projection you create counts as one model. This includes your P&L statements, cash flow projections, and business plans. If you clone a model to create a new version, that creates a separate model that counts toward your limit. The good news? If you hit your limit and need to downgrade or your trial ends, we archive older models rather than deleting them - you can always upgrade to get them back.

Bluto is built as a digital-first platform where your models live and breathe in real-time. Rather than static exports, we focus on interactive dashboards, live collaboration, and secure sharing with investors. Your models are designed to be viewed and updated directly in Bluto, where they're always current and interactive. Need to share with someone? Use our secure sharing feature to give them access to the live model instead of sending outdated spreadsheets.

Don't worry, your files are safe! When your trial ends or you downgrade, we archive files that exceed your new plan's limit (keeping your newest ones active). Archived files show up grayed out with a countdown timer - they'll be deleted after 90 days. The good news? You can upgrade anytime within those 90 days to instantly restore access to all your archived files. We'll even send you reminder emails at 30 days, 7 days, and 1 day before deletion.

Create multiple "what-if" scenarios for your business: best case, worst case, and realistic projections. Adjust key variables like growth rate, costs, and pricing to see the instant impact across all your financial statements. Compare scenarios side-by-side to make informed decisions. Everything updates in real-time, so you can test different strategies without breaking your base model.

Integration with popular business tools is on our roadmap for future development. Right now, Bluto works as a standalone platform where you build and manage your financial models. We're planning to add connections to accounting software and other business tools - join our newsletter to be the first to know when these features launch!

It's easy to share your models: 1. Go to your workspace and find the model you want to share 2. Click the three dots (...) menu on the file card 3. Select "Share" 4. Enter their email address 5. Choose "View" for read-only access or "Edit" if you want them to make changes (Edit uses one of your team seats) 6. Click "Invite" They'll get an email invitation. Important: They need to sign in with the exact email address you invited. If they already have a Bluto account, use their existing account email. Not sure? Ask them first!

When someone shares a file with you: 1. Check your email for an invitation from Bluto 2. Click the link in the email 3. Sign in with the SAME email address that received the invitation (this is important!) 4. If you don't have an account yet, create a free Bluto account using that email 5. Once logged in, you'll see the shared file in your workspace The file will appear in your workspace with a "shared" indicator. You can switch between your own files and shared files using the workspace dropdown.

There are a few reasons why a shared file might disappear: • The file owner revoked your access • The file was deleted by the owner • The owner's subscription changed (downgraded or expired), which can affect file availability • The file was locked or archived Best next step? Contact the person who shared the file with you to check if everything's okay on their end. They might need to re-share it or restore access.

Only the workspace owner (the person who created the file) can share it with others. If someone shared a file with you, you can't share it with additional people - that's a security feature to ensure the original owner maintains control over their sensitive financial data. Need someone else to access a file shared with you? Ask the original owner to send them an invitation directly.

You can see and manage all your collaborators in one place: 1. Go to your workspace 2. Click "Collaborators" in the sidebar 3. You'll see two sections: • **Active Collaborators** - People who've accepted your invitations • **Pending Invitations** - People who haven't accepted yet From here you can: • See how many files each person can access • Remove someone's access (click the remove button) • Cancel pending invitations • Resend invitations (after 1 hour cooldown)

Yes! If someone hasn't accepted your invitation yet, you can cancel it: 1. Go to Workspace → Collaborators 2. Look in the "Pending Invitations" section 3. Find the invitation you want to cancel 4. Click the "Cancel" or remove button Once cancelled, they won't be able to use that invitation link anymore. If you change your mind, you'll need to send a new invitation.

Currently, you can't directly change someone's permission level after sharing. Here's what to do instead: 1. Remove their current access (Workspace → Collaborators → Remove) 2. Share the file again with the new permission level 3. They'll get a new invitation email Note: Changing from View to Edit will use one of your team seats. Changing from Edit to View will free up that seat.

When a file is locked, it becomes read-only for everyone (even people with edit access). The owner might lock a file when: • Sharing with investors (to prevent accidental changes) • Finalizing a report or model • Preserving a specific version If you see a lock icon on a file: • You can view but not edit • Any active editing sessions are ended • Only the file owner can unlock it Need to make changes? Contact the file owner and ask them to unlock it.

Team seats determine how many people can have edit access to your files: • **Free plan**: 1 seat (just you) • **Founder's Choice**: 2 seats total • **Growth Engine**: 5 seats total Important points: • Giving someone "Edit" access uses a seat immediately (even before they accept) • "View" access doesn't use any seats - unlimited viewers! • Pending edit invitations reserve seats • Cancel an edit invitation to free up the seat At your seat limit? You'll need to remove someone's edit access or upgrade your plan.

Yes! Bluto supports real-time collaboration. When multiple people are editing: • You'll see who else is currently editing (look for the "2 people editing" badge) • Changes auto-save every 30 seconds • If two people save at the same time, both versions are preserved in the version history • You'll get a friendly heads-up if someone else saved while you were editing The file owner can also lock the file if they need to prevent edits temporarily - useful during investor presentations or when finalizing numbers.

Yes, all data is encrypted both in transit (TLS 1.3) and at rest (AES-256). We use bank-level encryption standards and store data on secure AWS servers with SOC 2 compliance. Your financial models are completely isolated from other users.

Never. Your financial data is never used for AI training. We have strict data isolation policies and contractual agreements with all AI providers ensuring Zero Data Retention (ZDR). Your data is processed only for your immediate request and then deleted.

Only you and people you explicitly share with can see your models. Our staff cannot access your data without your explicit permission for support purposes. All access is logged and audited. Even within shared workspaces, you control who sees what.

We align with SOC 2 Type II, ISO 27001, and GDPR requirements. Our infrastructure is hosted on AWS which maintains numerous certifications. We conduct regular security audits and penetration testing with results available upon request.

Bluto.ai works best on modern browsers: Chrome (90+), Firefox (88+), Safari (14+), and Edge (90+). We recommend keeping your browser updated for the best experience. Mobile browsers are supported for viewing, with editing optimized for desktop.

Bluto.ai requires an internet connection for real-time calculations and collaboration features. However, we auto-save your work every 30 seconds, so brief connection interruptions won't cause data loss. You can also export models for offline viewing.

Email us at [email protected] for the fastest response (usually within 4 hours during business days). Growth Engine customers get priority support with 2-hour response time and access to live chat. Include your workspace name and any error messages for faster resolution.

Visit status.bluto.ai for real-time system status, planned maintenance, and incident history. You can subscribe to get email or SMS alerts for any service disruptions. We maintain 99.9% uptime SLA for paid plans.

Start with our guided setup: 1) Click "Create New Model", 2) Choose your business type (SaaS, E-commerce, Service, etc.), 3) Answer a few questions about your business, 4) We'll generate a customized model template, 5) Adjust assumptions and see real-time projections. Watch our 5-minute tutorial for a complete walkthrough.

Yes! We offer pre-built templates for SaaS, E-commerce, Marketplaces, Agencies, Restaurants, Retail, and more. Each template includes industry-specific metrics, typical cost structures, and growth assumptions. You can customize any template to match your business.

We offer comprehensive learning materials: Video tutorials, step-by-step guides, weekly webinars, financial modeling best practices blog, and a community forum. Premium plans include 1-on-1 onboarding sessions with our financial modeling experts.

Yes! All new users get access to our self-guided onboarding with interactive tutorials. Founder's Choice and above include a 30-minute onboarding call. Growth Engine customers get dedicated onboarding with 3 sessions and priority support.