I should clarify: I don't care about Manage Bills/Track Time/Multiple Users (it's just me using it). I saw in another post that Multiple Currencies would block a downgrade, but I don't care about that (t's turned OFF). I guess I'm wondering about hidden "gotchas" of downgrading. I love essentials but don't use a lot of the added features, I'm finding. I love the automatic categorization of transactions from bank feeds though (rules) and hope that remains.