Earlier quoted context omitted.
There's also some uncertainty around persistence of data if I start a paid plan (or trial) but do not continue. Does the data I'd entered thus far get purged, and I would have to re-enter it if I picked the plan back up? I feel like this kind of tool might be something I'd update once a quarter or once a year, but not want to pay for every month. But if my data is deleted in between uses, it's also a lot less useful.…
If you go to cancel a subscription, there should be a modal that pops up warning that persisted data will be removed if you continue to cancel. And yeah I see your point on wanting to come back and update things periodically. Is this perhaps where the yearly / lifetime plan options make more sense? Or are those priced too steeply in your estimation?
There's no way to know that before choosing a paid plan though, is there?
I'm not a good person to ask - I avoid spending money (I think) much more so than most people. And I wrote my own software for tracking all my finances (with zero graphs.) So I'm hesitant to spend money on other software.
Depending on a person's weakness or uncertainty, this kind of software can fill in a lot of gaps and help them make decisions that can dwarf the cost of your software, so I doubt the pricing is prohibitive.
As always, take me picking apart your software as a token of interest and a compliment. (I really wish I'd start picking up graphs from my back log...!)