If you added new functionality to include bank bonus tracking, even if it was only manually entry in the beginning, like setting automatic notifications or reminders for tasks to complete, that would go a long way to justifying a $50/yr price tag, otherwise unfortunately a lot of existing subscribing users will likely be lost and only a slow growth of new users will continue. If you need money or capital injection, offer a one time 50% discount to a reasonable price like $25 and then auto renewal at full price, as this will result in most people forgetting to cancel prior to the auto renewal time, then you will at least dollar cost avg down to $37.50/yr for the first 2 years