Moving to yearly billing or to Equity + Crypto: what's automatic, what's refunded, and what happens to your tokens.
You can move up any time — to yearly billing, or to the Equity + Crypto plans that cover both asset classes. The Subscriptions screen shows exactly the upgrade options that apply to you. (Downgrades aren't offered.)
Switching Equity Monthly → Equity Yearly (or the Crypto equivalents) is handled with day-by-day proration — the time you've already paid for is credited against the new plan automatically. Nothing to calculate on your side.
Moving from a single-asset plan to a Combined plan replaces your old plan: the old subscription ends, the unused portion is refunded automatically, and the new plan starts.
How the unused portion is worked out:
Your signup bonus is topped up to the new tier — you receive the difference between the new plan's bonus and what you've already been given. Moving from Equity Monthly (45) to Equity + Crypto Yearly (250) credits 205 more. You're never paid the same bonus twice, and never lose what you have.
Upgrade while you're still inside your free trial and the new plan starts with a fresh trial. Once you've been charged for the first time, an upgrade starts billing right away. Details: How the free trial works.
See the full plan table: Choosing a plan.