# My Account, Plans & Upgrading

_ReadyHelm Owner app guide, chapter 08 · Last updated 2026-10-28 · https://app.readyhelm.com/guide/owner/my-account-and-plans.html_

Click your name at the bottom of the sidebar to open **My Account** — Profile, Plan, Notifications, Security, Storage, and Login Log. (Your certifications and Emergency Info live under their own **Safety & Certs** page in Crew Corner now — see below — except for a boat-less account, which sees them as an extra tab right here, alongside Timeline and My Trips, since there's no vessel switcher yet to hang a Crew Corner section under.)

## Profile

Your name, phone, and location. Email is shown but not editable here — it's your sign-in identity.

## Plan

Shows your current plan and what it includes:

| Plan | Price | Boats | Storage | Extra features |
|---|---|---|---|---|
| **Free** | $0 | 1 | 250 MB | [Captain's Log](https://app.readyhelm.com/guide/owner/captains-log.html) (including inviting crew to a trip), crew/vessel sharing, [Float Plan](https://app.readyhelm.com/guide/owner/float-plan.html), [Expenses](https://app.readyhelm.com/guide/owner/expenses.html), [First Mate](https://app.readyhelm.com/guide/owner/first-mate.html) chat and document reading, checklist templates |
| **Skipper** | $4.99/mo or $49.90/yr | 3 | 2 GB | Everything in Free, plus custom checklists, [Messages](https://app.readyhelm.com/guide/owner/messages-and-notifications.html), and receipt auto-fill for expenses |
| **Captain** | $9.99/mo or $99.90/yr | Unlimited | 10 GB | Everything above, plus broker listing visibility |

Annual billing is two months free compared to paying monthly. Higher plans also include more [First Mate credits](https://app.readyhelm.com/guide/owner/first-mate.html#first-mate-first-mate-credits). The Plan tab always shows what your plan currently includes. Every plan, owner and Pro, is compared in [Plans, Prices & Limits](https://app.readyhelm.com/guide/reference/plans-pricing-and-limits.html).

### Subscribing, switching, and canceling

**Change Plan** opens your options, which depend on where you're starting from:

- **On Free, or previewing a paid tier**: choose Monthly or Annual, then **Subscribe** to a paid tier — this redirects you to a secure Stripe Checkout page to enter payment details. You're brought back to ReadyHelm once it's done.
- **Already subscribed**: you'll see **Manage billing** instead, which opens Stripe's Customer Portal — a hosted page for switching tiers, changing monthly/annual, updating your card, viewing invoices, or canceling. ReadyHelm doesn't rebuild that screen itself, so it's always current with whatever Stripe shows you.
- **Complimentary (courtesy) access**: if ReadyHelm has given you a plan for free, you'll see a note saying so instead of any billing controls.

Whether a downgrade or cancellation takes effect right away or at the end of your current billing period is a setting on Stripe's side of the Customer Portal, not something this page controls — if you're not sure which applies, that's worth confirming before you switch.

### What happens if you downgrade below your boat count

If you own more boats than your new plan allows, ReadyHelm doesn't delete or hide anything. Instead:

- It automatically picks which boat(s) stay **active**, favoring boats you already had active, then your most recently added ones.
- Any boat *not* in the active set becomes **read-only for you specifically** — you can still view everything, but can't add or edit maintenance, service log entries, to-dos, equipment, documents, or vessel details on it.
- This only affects **you as the owner**. Anyone you've shared the boat with (Viewer/Editor) keeps their own access untouched, and a service provider can still log real work against it regardless.
- You can change which boats are active any time from the Plan tab's **Manage active boats** control — no need to change plans again to swap which boat is prioritized.
- Upgrading again (or freeing up a slot by removing a boat) automatically re-activates whichever boats now fit.

## Safety & Certs

Reached from **Safety & Certs** in Crew Corner once you have a boat (or right here, as a tab, if you don't yet). Your own certifications and licenses — boating, scuba, fishing, safety training, sailing, and insurance — plus Emergency Info. These belong to **you**, not any one boat, so they're available whether or not you own a boat at all (a boat-less signup can skip straight to this screen).

### Adding a certification

**+ Add a certification**: pick a category, name it (e.g. "OUPV (6-Pack)"), and optionally fill in issuing body, credential number, issue/expiration dates, and notes. Attach one or more photos or scans under **Card / Certificate** — pick several at once, or add more later from the pencil icon. Each file gets its own remove (×) button. A color-coded badge flags anything expiring within 30 days or already expired.

### Emergency Info

A separate section on the same screen: allergies, medical conditions, and an emergency contact (name, phone, relationship). Set **visibility** to:

- **Private (only you)** — the default; nobody else can see it.
- **Entire crew** — everyone you share any boat with, in either direction.
- **Select crew** — pick specific people from your crew list.

### Sharing your credentials

Share your **whole wallet** (a live view — includes any credential you add later) or just **one** credential (the 🔗 icon on its row), by email. If the recipient already has a ReadyHelm account, they see it immediately under their own Safety & Certs page's **Shared with me** section; otherwise it resolves automatically the moment they sign up with that email. Revoke access any time.

## Notifications

A daily email digest of what's coming up or overdue — registration, insurance, ratings, and equipment replacements, plus to-dos — across every boat you own or access. Choose how far ahead to be warned (separately for expirations and to-dos), or turn reminder emails off entirely. Maintenance tasks that come due are included too, because they automatically create a to-do (see [Maintenance Tasks](https://app.readyhelm.com/guide/owner/maintenance-and-service-log.html#maintenance-and-service-log-automatic-reminders)).

If you use the simple Home, you also get a weekly **Your boat this week** email in weeks when something is due. Turning reminder emails off stops it too (see [Simple Mode & Guided Setup](https://app.readyhelm.com/guide/owner/simple-mode-and-guided-setup.html#simple-mode-and-guided-setup-weekly-email)).

Unread [messages](https://app.readyhelm.com/guide/owner/messages-and-notifications.html) are emailed separately, and in-app notifications appear under the bell at the top of the sidebar.

### Email, text or both

**How would you like to receive ReadyHelm notifications?** covers your reminder digests and unread messages:

- **Email**, **Text message**, or **Email + text**;
- **None**: no reminder digests or unread-message emails. The bell in the app still shows everything.

Text messages come with the Skipper and Captain plans. To use them, confirm your mobile number: ReadyHelm texts you a 6-digit code (or **Use another number**). Texts arrive between 8 am and 9 pm your time. Reply STOP to any of them to opt out, or HELP for help.

## Security

Change your password here. Signed in with Google and never set one? Leave "Current password" blank to set one for the first time.

### Two-factor authentication

Two-factor authentication is optional. Once it's on, each sign-in asks for a code from an authenticator app on your phone as well as your password. Google Authenticator, Microsoft Authenticator, 1Password and Authy all work.

- **Turn on two-factor:** scan the QR code with your authenticator app (or type the key under it), then enter the 6-digit code it shows. You then get eight **backup codes**. Each one signs you in once if you don't have your phone, so save them somewhere safe, such as a password manager. They aren't shown again.
- **Signing in:** after your password (or Google), enter the current code from the app, or choose **Use a backup code instead**. Each sign-in, on each device, asks once. Following a link between the owner app and the Pro Portal doesn't ask again.
- **Set up a new authenticator** moves it to a new phone. It replaces your old setup and gives you new backup codes.
- **Turn off** needs a current code. If you're an Admin of an organization in the Pro Portal, it's required and can't be turned off.

It's the same setting as in the Pro Portal: turning it on in either app means both ask. **Lost your phone and your backup codes?** Contact support@readyhelm.com. Once we've confirmed it's you, we turn two-factor off so you can sign in and set it up again.

## Storage

Shows how much of your plan's storage allowance you've used (photos, documents, invoices, or anything else you upload). At 90% or more you'll see a warning with an upgrade shortcut if you're not on the top plan.

The same tab shows your **First Mate AI credits**: how many monthly credits you've used and when they renew, plus your one-time onboarding credits for setting up boats from documents. You'll see a warning when you're running low. See [First Mate](https://app.readyhelm.com/guide/owner/first-mate.html#first-mate-first-mate-credits).

## Login Log

A record of sign-in attempts on your account — timestamp, status (success, bad password, etc.), and IP address. Useful for spotting anything you don't recognize.