Comment by adkaplan

I think your method is perfect. Having to make notes and re-enter my settings is just the right amount of frustrating, that each time I'm tempted to buy it. I think most people who are less stubborn (cheap) than I would pay the second time they need the tool.

Having the free no-saving model as a public service is hopefully a win-win for you. The public has access to a financial planning tool, and if they need to take their finances more seriously they can start the paid model.

I also like the prompt you've added which says something like /hey, you lost your settings because you're using the free mode, but we can recover them to save you time/. Good detail.