United Kingdom · Finance roles · Mid-Level (2-5 years)

Strategic Planning Manager

Here is the whole job, in plain words. What it is, a real day, what you decide, how you're judged, how people get here and where they go next. Then the part no course gives you: twelve AI tutors who learn your work.

  • Experience bandMid-Level (2-5 years)
  • Direct reportsNo direct reports
  • Reports toSenior Strategic Planning Manager
  • UK framework levelUsually a coordinator, or early in a professional job

Also advertised as Financial Planning Analyst · Finance Business Partner · Commercial Finance Analyst

Built on an analysis of 43,079 real UK job descriptions · grounded in qualifications employers recognise

Start with a free Future Fluency check, tuned to Strategic Planning Manager

Ten quick questions, one per Future Fluency, asked against this role rather than a generic one. About five minutes, and no card.

Start the check, free

1What this role really is

This isn't just about crunching numbers; it's about making sense of them and helping us figure out where we're headed. You'll be right there in the thick of it, owning key bits of our long-range financial plan and making sure the data tells a consistent story. Think of yourself as a detective for our future finances, spotting trends and flagging risks before they become problems. It's a proper hands-on role where your analysis genuinely helps shape our next moves.

2What you'd actually use

The tools this job runs on, and how well you'd need to know each one.

Building complex financial models from scratch, using Power Query for data ingestion and transformation, applying advanced formulas (array formulas, INDEX/MATCH, OFFSET), and debugging existing models. You'll be a wizard here.

Anaplan / Workday Adaptive PlanningIntermediate

Navigating the platform, entering data, running pre-built reports, and understanding model structure. You'll be able to make minor model adjustments and build simple dashboards, but not necessarily architect new modules from scratch.

Power BI / TableauIntermediate

Connecting to multiple data sources (SQL, Anaplan, Excel), using DAX/LOD expressions to create calculations, and building interactive dashboards for your manager and business partners. You'll be telling stories with data.

S&P Capital IQ / Bloomberg TerminalIntermediate

Pulling public company financials, transaction comps, and market data using established templates. You'll be using this for competitor analysis and market research to inform your models.

SAP S/4HANA / Oracle NetSuiteBasic

Understanding the financial data structure (CO-PA, GL) and extracting standard reports and data sets for your analysis. You won't be configuring it, but you'll know how to get the data you need.

Miro / ConfluenceIntermediate

Documenting assumptions, process flows, and meeting notes within established frameworks. You'll use these for collaborative brainstorming and maintaining a central knowledge base for your projects.

3What you get to decide, and how that grows

Power in a job isn't your title. It's what you're allowed to decide. Here's how it grows as you move up.

The choiceComing inWhere you are nowThe step above
Model Design & MethodologyFollows established templates; all changes reviewed.Independently designs models for specific initiatives; consults Senior Manager on complex methodology choices.Defines best practices and standards for model design across the team; strategic input on new tools.
Assumption ValidationGathers assumptions from business partners; flags obvious inconsistencies to supervisor.Challenges business partners on assumptions; proposes alternative scenarios based on market data.Negotiates and aligns critical assumptions with senior business leaders; arbitrates disputes.
Project Prioritisation (within own workload)Works off a prioritised list from supervisor; escalates conflicts.Manages own workload and prioritises routine tasks; consults manager on conflicting 'urgent' requests.Prioritises workstreams for junior team members; influences overall team project roadmap.
Data Source SelectionUses predefined data sources and reports.Identifies and proposes new data sources for analysis; consults IT/Finance Systems on integration.Defines the data strategy for the planning function; evaluates new data vendors.

4How you'll be judged

The scoreboard, honestly: the hard targets, how often each one is actually looked at, and the quiet human signals that never make it onto a dashboard.

Model Accuracy for Assigned Components
The variance between your forecast for specific P&L or Balance Sheet line items (e.g., Opex, Capex) and the actual results.
Target · Within ±3% variance

Your Q3 Opex forecast was £1.2M, actual was £1.23M, which is a 2.5% variance – spot on.

Report & Analysis Timeliness
How often your recurring reports and ad-hoc analyses are delivered by the agreed-upon deadline.
Target · 95% on-time delivery

Delivered 19 out of 20 scheduled reports and analyses on time this quarter, hitting the 95% target.

Data Gathering & Integrity Efficiency
Reducing the time it takes to pull and clean data for your models, and ensuring the data you use is accurate.
Target · Reduce manual data prep time by 10% annually; <1% error rate on data inputs

Automated a data pull for the Opex forecast, saving 2 hours per month, and had zero data errors flagged in the last two quarters.

Impact of Insights
The number of times your analysis directly leads to a documented change in a business assumption or operational tactic.
Target · At least 1-2 instances per quarter

Your analysis on marketing spend ROI led to a reallocation of £50K in the Q4 budget, which was documented by the Marketing Director.

Clarity of Communication
How well you explain complex financial concepts and model outputs to non-finance colleagues.
  • Feedback from business partners praising the clarity of your presentations
  • your ability to simplify complex models into easily digestible insights
  • fewer follow-up questions needed after your explanations.
Proactive Problem Solving
Identifying potential issues in data, assumptions, or processes before they become bigger problems, and proposing solutions.
  • You flag an inconsistency in sales data before the monthly close
  • you suggest a better way to track a particular cost line
  • you anticipate a question from leadership and have the answer ready.
Collaboration & Teamwork
Working effectively with other finance teams and business units to gather information, validate assumptions, and build consensus.
  • Positive feedback from colleagues in FP&A or business finance
  • you're seen as someone easy to work with
  • you help unstick others when they're struggling with data or models.
Quality of Documentation
Ensuring your models and analyses are well-documented, making them easy for others to understand and update.
  • Models have clear audit trails and assumption pages
  • process documents are up-to-date and easy to follow
  • a new team member can pick up your work with minimal guidance.

5Would you like it

The honest version. What people enjoy, and what grinds them down.

What people enjoy
Solving Complex Puzzles

You'll spend a good chunk of your day diving deep into data, trying to figure out 'what if' scenarios for the business. It's like a big, ongoing financial puzzle where your solutions actually matter. You'll enjoy the process of untangling complex financial problems and building models that make sense of them.

Being given a vague question like 'how would a 10% interest rate hike impact our 3-year plan?' and enjoying the process of building the model to answer it.

Direct Business Impact

Your analysis won't just sit in a folder; it'll be presented to senior leaders and genuinely influence decisions on investments, market entry, or resource allocation. You'll get to see your work shape the company's future, which is pretty rewarding.

Seeing a specific recommendation from your market entry analysis incorporated into the next quarter's strategic priorities.

Continuous Learning & Growth

The market, our business, and the tools we use are always changing. You'll constantly be learning new modelling techniques, understanding new business drivers, and keeping up with economic trends. If you love expanding your knowledge, you'll thrive here.

Learning a new Power Query technique to automate data clean-up, or researching a new competitor's financial strategy.

What frustrates people
  • Spending 50% of your time just cleaning and validating data from different systems.
  • Getting conflicting assumptions from various departments for the same forecast.
  • Working on an 'urgent' ad-hoc request that gets shelved a day later.
  • Having to explain basic financial concepts repeatedly to non-finance colleagues.
  • Your well-researched analysis being overridden by a senior executive's 'instinct'.
What this role does not give you
  • A predictable, unchanging daily routine.
  • Direct people management responsibilities (at this level).
  • The ability to make final strategic decisions (you're the advisor, not the decider).
  • A quiet, isolated role where you just crunch numbers without interacting with others.

6Who you work with

Your analysis directly feeds into the company's annual operating plan and long-range strategy, influencing where we invest our capital and how we staff our teams. Accurate forecasts mean we can react quickly to market changes, while errors can lead to missed opportunities or overspending. You're a key cog in the financial planning machine, helping the business make informed, data-backed choices.

Inside the business
  • FP&A Team
  • Business Unit Finance Leads (e.g., Sales Finance, Operations Finance)
  • Product Management
  • Head of Commercial
  • IT/Finance Systems
Outside the business
  • N/A (mostly internal focus at this level)

7What you need before you start

Not a wish list. The things you would be expected to already have.

  • At least 2-5 years of experience in a financial planning, FP&A, commercial finance, or similar analytical role.
  • Proven ability to build and maintain complex financial models in Excel.
  • Experience presenting financial analysis to non-finance stakeholders.
  • A solid understanding of core financial concepts and accounting principles.
  • The ability to work independently on assigned projects and manage your own deadlines effectively.

8What to practise next

Where the job is going, and what to do about it starting this week.

Advanced Data Visualisation & Storytelling

Executives are drowning in data. The ability to not just present numbers, but to tell a compelling, actionable story with visuals, will be crucial for influencing decisions.

Dashboard Design Principles · Narrative Flow · Interactive Reporting · Choosing the Right Chart

  • This week: Review existing Power BI/Tableau dashboards and identify 3 ways they could be improved for clarity.
  • This month: Take an online course on advanced data visualisation (e.g., from Tableau Public or DataCamp).
  • Month 2: Rebuild one of your recurring reports as an interactive dashboard, focusing on user experience.
  • Month 3: Present your new dashboard to a non-finance colleague and gather feedback on its clarity and usefulness.

Quick win: When creating your next presentation, challenge yourself to use 50% fewer numbers and 50% more visuals. Focus on the 'so what' of each chart.

Integrated Planning System Mastery (e.g., Anaplan, Workday Adaptive)

These systems are becoming the backbone of enterprise planning. Moving beyond basic use to understanding their architecture and integration capabilities will be vital for efficiency and accuracy.

Model Architecture · Advanced Formula Writing · Data Integration · User Experience Design

  • This week: Spend an hour exploring the 'model settings' and 'data integrations' sections of our current planning system.
  • This month: Complete an advanced training module offered by Anaplan or Workday Adaptive Planning.
  • Month 2: Propose and build a small, new module or report within the system that addresses a current pain point.
  • Month 3: Work with the Finance Systems team to troubleshoot a data flow issue, gaining deeper insight into system mechanics.

Quick win: Identify one manual data entry process in the planning system that could be automated or streamlined, and propose a solution.

9Staying current once you are in

What people here do to keep up
  • Enrolling in advanced Excel modelling courses, especially those covering Power Query and VBA.
  • Attending industry conferences or webinars focused on financial planning, corporate strategy, or specific sector trends.
  • Pursuing one of the preferred professional certifications mentioned above.
  • Taking courses on data visualisation tools like Power BI or Tableau to enhance your storytelling capabilities.
  • Joining internal or external finance communities to share knowledge and best practices.

10How the AI economy is changing work like this

Before we ask anything of you, here's what we can already say about AI and work of this kind:

The new skill this role is being asked for: Prompt Engineering & AI-Assisted Analysis

Our competitors are already using AI to draft reports in minutes that used to take hours. Analysts who figure this out will outproduce their peers significantly. It's about working smarter, not harder.

We'll only ever tell you what we can actually back up. No hype, no scare tactics.

Your PlanIllustration

Built for Strategic Planning Manager

3 units that map to this job, from the qualifications that cover it.

  1. Plan, allocate and monitor work in own area of responsibilityiCan Qualifications Limited · covers 1 of 2 standardsLevel 3
  2. Monitoring and reviewing financing and credit facilitiesPearson Education Ltd · covers 1 of 2 standardsLevel 3
  3. Planning and organising work in a financial services environmentPearson Education Ltd · covers 1 of 2 standardsLevel 2
These are the real units behind this job, in the order they rank for it. Nothing here is marked done, because this plan has not been started by anyone yet. Yours would fill in as you go.

The rising capability

Zavmo analysis

What's rising in its place

This is where the work is heading, and the higher pay with it. Get fluent here and the shift stops being a threat and starts being your edge.

Prompt Engineering & AI-Assisted Analysis

Our competitors are already using AI to draft reports in minutes that used to take hours. Analysts who figure this out will outproduce their peers significantly. It's about working smarter, not harder.

  • Effective Prompting
  • Output Validation
  • Data Privacy with AI
  • AI for Variance Analysis

What you’ll use

Skills this role draws on

Technical

  • Long-Range Financial Planning (LRFP) Components
  • Scenario Modeling & Sensitivity Analysis
  • Capital Allocation Frameworks (Basic)
  • Competitive Intelligence & Market Sizing (Data Gathering)

The pathway

How you actually get there, here

How you become one varies far more by country than what one does. This is the UK route. Most people take one of these ways in; the right one depends on where you're starting from.

  1. 1

    Financial Analyst (FP&A)

    2-3 years

    Skills to master

    • Budgeting, forecasting, variance analysis, monthly reporting, strong Excel skills, understanding of core business drivers.

    You're ready to move on when

    • Consistently delivers accurate and timely financial reports.
    • Proactively identifies and explains variances in actuals vs. budget/forecast.
    • Can build a basic financial model from scratch without heavy supervision.
    • Demonstrates curiosity about the 'why' behind the numbers.
  2. 2

    Commercial Finance Analyst

    3-4 years

    Skills to master

    • Pricing analysis, sales performance tracking, cost of goods sold (COGS) analysis, understanding of commercial levers and profitability.

    You're ready to move on when

    • Successfully supported commercial teams with financial insights that led to improved profitability.
    • Can model the financial impact of different commercial strategies.
    • Strong ability to translate commercial data into financial outcomes.
    • Good at influencing sales or marketing stakeholders with data.
  3. 3

    Junior Investment Banking Analyst / Private Equity Analyst

    2-3 years

    Skills to master

    • Advanced financial modelling (DCF, LBO), valuation methodologies, M&A processes, due diligence, presentation skills.

    You're ready to move on when

    • Built complex valuation models for real transactions.
    • Strong understanding of corporate finance theory and practice.
    • Excellent attention to detail and ability to work under pressure.
    • Desire to move to a more operational, strategic role within a company.

11Where this role leads

The long view:Your journey here is what you make it. We're committed to giving you the tools, challenges, and support to grow, whether you want to climb the management ladder or become an unparalleled individual contributor. The opportunities in finance, especially strategic finance, are vast.

Pay & demand

Pay and demand for this role will appear here, each figure traced to a named authoritative source (e.g. the ONS Annual Survey of Hours and Earnings, under the Open Government Licence). We don’t show numbers we can’t attribute.

The ten Future Fluencies

Zavmo analysis

The credential is what you can do today. These are what keep you valuable.

A qualification proves you can do the job as it's defined today. These ten are what decide whether you're still the obvious person for it in five years. They're the capabilities employers are now writing into senior roles faster than people are learning them. Zavmo weaves them through whatever you study, so you come out with both: the credential and the fluency.

The highlighted ones are the Fluencies your role leans on hardest, from how Strategic Planning Manager is actually changing. In about two minutes, the free confidence check asks where you stand on each of the ten. That's the whole check, and it's what makes the plan yours rather than generic.

12The team that's yours

No two people are taught the same way. This is one-to-one, not one-to-many.

Zavmo is a hyper-personalised AI learning platform. Twelve virtual tutors, each with a different way of teaching, and one orchestration agent that picks the right one for the moment. So every single lesson is shaped around you, your role, and the way you learn. Not a course everyone sits through. A conversation built for you, and no one else.

…and nine more, matched to you after your first chat. Meet all twelve

13What it feels like

A conversation, not a course

Because your tutor knows your role, your projects and your last session, learning sounds like this. And it's different for every single person:

Plan, allocate and monitor work in own area of responsibilityLevel 3

Applied to your work in Strategic Planning Manager

This unit aims to enable learners to effectively plan, allocate, and monitor work within their own area of responsibility. Learners will be able to create work plans, delegate tasks, and provide constructive feedback to team members to ensure progress and quality.

How the thinking builds
  1. Remember
  2. Understand
  3. Apply
  4. Analyse
  5. Evaluate
  6. Create
An illustration of a Zavmo lesson, built from this role’s own route. The unit, its objective and every criterion above are the awarding body’s own words, not an example.

One to one, not one to many

No two people run this the same way

A course is written once and handed to everyone. This is assembled around you, and keeps changing as it learns you. Five things it reads, and what each one changes.

  1. Your actual work Every lesson is taught against a live piece of your own work, not a worked example from a textbook.
  2. What you already know The first conversation finds your starting point, so you skip what you can already do and spend the time on what you cannot.
  3. The conditions you learn under Not a learning-styles quiz. The evidence does not support those. The dimensions the research does back, read once and used to shape the plan.
  4. How far you got last time It picks up mid-thought. The tutor knows what you said, what you struggled with, and what it asked you to try.
  5. Which tutor suits the moment Twelve of them, each for a different kind of thinking. The one who walks you through a first idea is not the one who stress-tests it.

See how you learn, free. Eight questions, no sign-up. A directional taster; the diagnostic inside Zavmo goes deeper and keeps adapting.

DemonstrateIllustration

Evidenced on your work in Strategic Planning Manager

You do not finish by watching something. You finish by showing it on the work you already do, against the measures this job is judged on.

  • Model Accuracy for Assigned ComponentsThe variance between your forecast for specific P&L or Balance Sheet line items (e.g., Opex, Capex) and the actual results.Your Q3 Opex forecast was £1.2M, actual was £1.23M, which is a 2.5% variance – spot on.Within ±3% variance
  • Report & Analysis TimelinessHow often your recurring reports and ad-hoc analyses are delivered by the agreed-upon deadline.Delivered 19 out of 20 scheduled reports and analyses on time this quarter, hitting the 95% target.95% on-time delivery
  • Data Gathering & Integrity EfficiencyReducing the time it takes to pull and clean data for your models, and ensuring the data you use is accurate.Automated a data pull for the Opex forecast, saving 2 hours per month, and had zero data errors flagged in the last two quarters.Reduce manual data prep time by 10% annually; <1% error rate on data inputs
  • Impact of InsightsThe number of times your analysis directly leads to a documented change in a business assumption or operational tactic.Your analysis on marketing spend ROI led to a reallocation of £50K in the Q4 budget, which was documented by the Marketing Director.At least 1-2 instances per quarter
These are this job's own measures, with its own targets. Nothing is marked evidenced, because nobody has started this yet. Yours would fill in from the work you bring.

Your passport

This isn't a certificate you file away. It's a passport to the life you're designing.

Every credit you earn and every fluency you build adds up: evidence where it counts, carried with you. Zavmo keeps the map: where you are, where you're heading, and the next step, at your pace, around your life. From Strategic Planning Manager to Senior Strategic Planning Manager, and whatever you decide comes after.

Level 3 · in progressAI Fluency→ Senior Strategic Planning Manager→ your design
Where this takes you

Your journey here is what you make it. We're committed to giving you the tools, challenges, and support to grow, whether you want to climb the management ladder or become an unparalleled individual contributor. The opportunities in finance, especially strategic finance, are vast.

See Your Progress GrowIllustration
Strategic Planning Manager
  • Long-Range Financial Planning (LRFP) Components
  • Scenario Modeling & Sensitivity Analysis
  • Capital Allocation Frameworks (Basic)
  • Competitive Intelligence & Market Sizing (Data Gathering)
This is your Mind Palace on learn.zavmo.ai. Every skill above comes from this role's own record, not an example borrowed from another job. A node lights up when you evidence it, and what you build stays yours between jobs. That is the part a course cannot do.

14The detail, folded away

Everything else the record holds

The career branches in full, how AI is already showing up in the day-to-day, and the questions people ask about this job. Here when you want them, out of the way while you decide.

Where it leads next, rung by rung

Where it leads

The career path, and where it branches

Strategic Planning Manager is a start, not a ceiling. Each step below asks for new skills and hands back more autonomy.

  1. L3

    • Full ownership of the end-to-end long-range plan.
    • Designing and implementing new strategic planning frameworks.
    • Leading M&A valuation and accretion/dilution analysis.
    • Presenting directly to C-suite and board members on strategic initiatives.
Working with AI on the job

Working with AI

Where AI is starting to help

Let's be real, a lot of financial planning can be repetitive. Imagine if you could cut down on the manual grind and spend more time on the really interesting stuff – the actual strategic thinking. That's where AI comes in. We're leaning into AI tools to make your day-to-day work smoother, faster, and frankly, a lot less tedious.

You might think AI is just for tech roles, but it's quickly becoming indispensable in finance. For a Strategic Planning Manager, this means less time wrestling with spreadsheets and more time delivering high-value insights. We're building an internal AI hub to help you get started quickly and see the benefits almost immediately.

Automated Data Aggregation

Use AI-powered connectors in tools like Power Query or specialised platforms to automatically pull, clean, and consolidate financial and operational data from all our different systems (ERP, CRM, HRIS). This cuts out hours of manual CSV exports and data wrangling, letting you get straight to the analysis.

Enhanced Scenario Analysis

Move beyond basic 'upside/downside' scenarios. AI/ML tools can run thousands of Monte Carlo simulations on your financial models, spotting hidden risks and non-linear relationships that you'd never find manually. You'll also use AI to generate more robust baseline forecasts based on historical data and macro-economic inputs, giving you a much stronger starting point.

AI-Powered Market Intelligence

Forget sifting through hundreds of competitor reports and news articles. AI platforms can scan, summarise, and flag key strategic shifts, risks, and opportunities from competitor earnings calls, SEC filings, and market news. This means you get the critical insights in minutes, not hours, helping you stay ahead.

Narrative Generation for Reports

Ever stare at a blank page trying to write the commentary for your monthly performance review or board update? Use Generative AI to create the first draft of your narrative. Feed it your key data tables and charts, and ask it to explain the variances and business drivers. You'll then refine it, saving significant time on initial drafting.

Common questions

Common questions

How do you become a Strategic Planning Manager?

Common routes in include Financial Analyst (FP&A) (2-3 years), Commercial Finance Analyst (3-4 years) and Junior Investment Banking Analyst / Private Equity Analyst (2-3 years). Times vary with prior experience.

Where can a Strategic Planning Manager progress to?

This role can lead on to Senior Strategic Planning Manager (3-5 years), depending on the skills you build.

What level is a Strategic Planning Manager in the UK?

This role aligns to RQF Level 3 on the UK framework, a guide to the depth of qualification it maps to, not a hard entry bar.

What new skills matter most for a Strategic Planning Manager?

Increasingly, Prompt Engineering & AI-Assisted Analysis. These are the areas where the higher-paid, future-proof work is heading.

The honest bit

You’ve started things before

Most of them were built for a room full of people who aren’t you. A cohort moves on whether or not your week allowed it, and by the third week the thing you’re behind on becomes the reason you stop opening it.

There’s no cohort here, and no timetable to fall behind. Before anything starts, Zavmo asks when you’re sharpest and how long you can realistically sit down for, then builds the sessions around those answers. A bad fortnight changes your pace. It doesn’t put you behind.

And you only pay once you start learning. Searching and planning are free, and you can cancel any time — so the cost of finding out is an afternoon, not a year.

What it costs

Less than one coaching session. Every month.

A single career-coaching hour costs more than a month of this, and it ends when the hour does. Zavmo doesn't. It's £70 a month, about £2.30 a day, for a companion that knows a Strategic Planning Manager, works on the job you actually do, and keeps going at your pace rather than a timetable's.

  • Searching and planning stay free. You only pay when you start learning.
  • Your credits are yours. Regulated, and they don't vanish when a subscription ends.
  • Cancel any time and billing stops. No notice period, no minimum term.

Your path, personalised

You have the map. Walking it is the part we do together.

This route runs to 2 national skill standards. That is a real journey.

Zavmo shapes a learning experience as unique as you are. It fits how you learn, your pace and the work you already do. Every step stays benchmarked to recognised national standards. That’s the plan for becoming a Strategic Planning Manager: personal to you, and it still counts. The first steps are free.

Independent research finds well-designed intelligent tutoring performs nearly as well as one-to-one human tutoring: VanLehn (2011), Educational Psychologist.

A private tutor in the UK averages £35–40 an hour . Zavmo is £70/month.

A real plan on learn.zavmo.ai: Ofqual-regulated units, credits, and a three-month run at your own pace.
Start free No commitment. See your first steps free.

15Where to go from here

Other roles at Level 3

Same depth of qualification, different job. Useful if the work appeals but this particular role does not.

Other roles in Finance roles

Stay in the field you know and move sideways rather than up.

If you leave this industry

The skills you'll build here are highly transferable. You could move into corporate development, investor relations, management consulting, or even into a general management role within a business unit, leveraging your strategic and financial acumen. Finance is a great foundation for almost any leadership role.

Not sure this is the right direction?

Work out what you actually want from work first, then come back and see which roles fit it. Takes about ten minutes.

This role profile is © 2026Growth Engineering Technologies Ltd. Built from UK occupational standards and regulated qualification data, and written for Zavmo.

You're not behind. You're right on time. The shift is only just beginning. Your role won't look the same in two years. Be the one who leads the change, not the one it happens to. Build my plan, free Here's the first ten minutes: a 2-minute confidence check → your personalised roadmap → meet the tutors matched to you. No card, cancel any time. No card. Build your plan, see your roadmap and meet the twelve tutors matched to you. All free. When you're ready to start learning, it's £70 a month, billed monthly. Cancel any time and billing stops.