> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bumara.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Plan and billing

> What each plan includes, the add-ons available, and how to change your subscription.

Your plan determines which regulators you can connect, how many obligations and service requests
you carry, how many people you can invite, and how much storage you have.

## The plans

<Note>
  Prices are shown as a guide. The current price and what your plan includes are always confirmed
  in **Settings → Plan and billing** before you commit to a change.
</Note>

|                      | Start             | Plus          | Pro                   | Enterprise |
| -------------------- | ----------------- | ------------- | --------------------- | ---------- |
| **Monthly price**    | K1,500            | K3,500        | K7,500                | Custom     |
| **Obligations**      | 3                 | 4             | 7                     | Unlimited  |
| **Service requests** | 2 per month       | 3 per month   | 5 per month           | Unlimited  |
| **Users**            | 1                 | 2             | 5                     | Unlimited  |
| **Storage**          | 500 MB            | 1 GB          | 5 GB                  | Custom     |
| **Regulators**       | ZRA, NAPSA, PACRA | + NHIMA, ZPPA | + WCF, local councils | All        |

## Add-ons

| Add-on                | Price                    | Available on     |
| --------------------- | ------------------------ | ---------------- |
| **Payroll**           | K85 per employee         | Plus, Pro        |
| **Extra storage**     | K150 per month per 10 GB | Start, Plus, Pro |
| **SMS notifications** | K100 per month           | All plans        |
| **Smart invoicing**   | Coming soon              | Plus, Pro        |
| **Inventory**         | Coming soon              | Pro              |
| **AI assistance**     | Coming soon              | Pro              |

<Note>
  These guides document Smart Invoice and Inventory in full because the features themselves are
  built. What is still to come is their packaging as separately priced add-ons. Check
  **Settings → Plan and billing** for what is currently available on your plan — that page is
  always the authority on what you can use today.
</Note>

## Choosing a plan

<AccordionGroup>
  <Accordion title="Start">
    A sole trader or a very small business with straightforward obligations and one person doing
    everything.

    Three obligations covers a typical small company: PAYE, one other ZRA tax type, and a PACRA
    annual return. Two service requests a month is enough for occasional one-off work.

    Outgrow it when you need a second user, or NHIMA.
  </Accordion>

  <Accordion title="Plus">
    A small business with employees. Adds NHIMA, which you need the moment you employ anyone, and
    a second user so the bookkeeper is not sharing the owner's login.

    Payroll becomes available as an add-on at this tier.
  </Accordion>

  <Accordion title="Pro">
    A growing business with a real team. Five users lets you separate payroll from finance, seven
    obligations covers a fuller compliance load, and you gain WCF and local council coverage.

    Right for anyone with more than a handful of staff.
  </Accordion>

  <Accordion title="Enterprise">
    Larger businesses, groups, and consultants managing many client organisations. Everything
    unlimited, with terms agreed individually.
  </Accordion>
</AccordionGroup>

## What counts against your limits

| Limit                | Counts                                                            |
| -------------------- | ----------------------------------------------------------------- |
| **Obligations**      | Active recurring requirements. A paused obligation does not count |
| **Service requests** | Requests created in the current month. Resets monthly             |
| **Users**            | Active members. Pending invitations count                         |
| **Storage**          | Total size of everything in your document vault                   |
| **Regulators**       | Which bodies you can connect, not how many connections            |

## When you reach a limit

Bumara tells you before you are blocked.

| Limit                | What happens                                                          |
| -------------------- | --------------------------------------------------------------------- |
| **Service requests** | You cannot create more this month. Upgrade, or wait for the reset     |
| **Users**            | You cannot invite anyone else. Upgrade, or remove someone             |
| **Storage**          | You cannot upload. Add the storage add-on, or remove unneeded files   |
| **Obligations**      | You cannot activate another. Upgrade, or pause one you no longer need |
| **Regulators**       | The regulator is not offered. Upgrade to the tier that includes it    |

If a limit is blocking compliance work, you receive a message about it. Do not simply wait — a
blocked filing still has its deadline. See
[Messages and timeline](/compliance/messages-and-timeline).

## Upgrading

<Steps>
  <Step title="Open Settings, then Plan and billing">
    Only Owners can change the plan.
  </Step>

  <Step title="Choose your new plan">
    The difference in what you get is shown before you commit.
  </Step>

  <Step title="Confirm">
    The new limits apply immediately. Billing is adjusted from the change date.
  </Step>

  <Step title="Use what you have gained">
    Connect the additional regulators, invite the additional users.
  </Step>
</Steps>

## Downgrading

<Warning>
  Before downgrading, check you are within the lower plan's limits. If you have five users and
  downgrade to a two-user plan, you must remove three people first. The same applies to
  obligations, storage and connected regulators.
</Warning>

<Steps>
  <Step title="Bring yourself within the lower limits first">
    Remove users, pause obligations, reduce storage, disconnect regulators.
  </Step>

  <Step title="Change the plan">
    Settings → Plan and billing.
  </Step>

  <Step title="Check nothing has been lost">
    Particularly regulator connections. Disconnecting a regulator in Bumara does not deregister
    you with that regulator — your obligations to them continue.
  </Step>
</Steps>

## Adding payroll

Payroll is charged per employee, on Plus and Pro.

<Steps>
  <Step title="Open Settings, then Plan and billing">
    Choose **Add payroll**.
  </Step>

  <Step title="Confirm your employee count">
    This is what you are billed on. It updates as your headcount changes.
  </Step>

  <Step title="Set payroll up">
    See [Setting up payroll](/payroll/setting-up).
  </Step>
</Steps>

## Billing

|              |                                                  |
| ------------ | ------------------------------------------------ |
| **Cycle**    | Monthly                                          |
| **Payment**  | Card or another method available to your account |
| **Invoices** | Issued each cycle and available in Settings      |
| **Currency** | ZMW                                              |

Your subscription charges are separate from regulator fees. Regulator and handling fees for
filings and services are billed per item — see [Paying fees](/compliance/paying-fees).

## If a payment fails

<Steps>
  <Step title="You are notified immediately">
    By email and in the app.
  </Step>

  <Step title="Update your payment method">
    Settings → Plan and billing.
  </Step>

  <Step title="Retry the payment">
    From the same page.
  </Step>

  <Step title="Act promptly">
    A prolonged failed payment can restrict your account. Compliance deadlines do not pause while
    your billing is unresolved.
  </Step>
</Steps>

## Overages

Some items are included up to a limit and charged beyond it. Anything charged as an overage is
labelled as such before you commit to it — you are never billed for something you were not shown
the price of.

<Note>
  Related: [Team and roles](/account/team-and-roles) for user limits, and
  [Document vault](/account/document-vault) for storage.
</Note>