diff --git a/app/controllers/archived_exports_controller.rb b/app/controllers/archived_exports_controller.rb
new file mode 100644
index 000000000..f626141a6
--- /dev/null
+++ b/app/controllers/archived_exports_controller.rb
@@ -0,0 +1,13 @@
+class ArchivedExportsController < ApplicationController
+  skip_authentication
+
+  def show
+    export = ArchivedExport.find_by_download_token!(params[:token])
+
+    if export.downloadable?
+      redirect_to rails_blob_path(export.export_file, disposition: "attachment")
+    else
+      head :gone
+    end
+  end
+end
diff --git a/app/jobs/data_cleaner_job.rb b/app/jobs/data_cleaner_job.rb
index 8cb22f283..becf0fba5 100644
--- a/app/jobs/data_cleaner_job.rb
+++ b/app/jobs/data_cleaner_job.rb
@@ -3,6 +3,7 @@ class DataCleanerJob < ApplicationJob
 
   def perform
     clean_old_merchant_associations
+    clean_expired_archived_exports
   end
 
   private
@@ -14,4 +15,10 @@ class DataCleanerJob < ApplicationJob
 
       Rails.logger.info("DataCleanerJob: Deleted #{deleted_count} old merchant associations") if deleted_count > 0
     end
+
+    def clean_expired_archived_exports
+      deleted_count = ArchivedExport.expired.destroy_all.count
+
+      Rails.logger.info("DataCleanerJob: Deleted #{deleted_count} expired archived exports") if deleted_count > 0
+    end
 end
diff --git a/app/jobs/inactive_family_cleaner_job.rb b/app/jobs/inactive_family_cleaner_job.rb
new file mode 100644
index 000000000..118d1c4c1
--- /dev/null
+++ b/app/jobs/inactive_family_cleaner_job.rb
@@ -0,0 +1,64 @@
+class InactiveFamilyCleanerJob < ApplicationJob
+  queue_as :scheduled
+
+  BATCH_SIZE = 500
+  ARCHIVE_EXPIRY = 90.days
+
+  def perform(dry_run: false)
+    return unless Rails.application.config.app_mode.managed?
+
+    families = Family.inactive_trial_for_cleanup.limit(BATCH_SIZE)
+    count = families.count
+
+    if count == 0
+      Rails.logger.info("InactiveFamilyCleanerJob: No inactive families to clean up")
+      return
+    end
+
+    Rails.logger.info("InactiveFamilyCleanerJob: Found #{count} inactive families to clean up#{' (dry run)' if dry_run}")
+
+    families.find_each do |family|
+      if family.requires_data_archive?
+        if dry_run
+          Rails.logger.info("InactiveFamilyCleanerJob: Would archive data for family #{family.id}")
+        else
+          archive_family_data(family)
+        end
+      end
+
+      if dry_run
+        Rails.logger.info("InactiveFamilyCleanerJob: Would destroy family #{family.id} (created: #{family.created_at})")
+      else
+        Rails.logger.info("InactiveFamilyCleanerJob: Destroying family #{family.id} (created: #{family.created_at})")
+        family.destroy
+      end
+    end
+
+    Rails.logger.info("InactiveFamilyCleanerJob: Completed cleanup of #{count} families#{' (dry run)' if dry_run}")
+  end
+
+  private
+
+    def archive_family_data(family)
+      export_data = Family::DataExporter.new(family).generate_export
+      email = family.users.order(:created_at).first&.email
+
+      ActiveRecord::Base.transaction do
+        archive = ArchivedExport.create!(
+          email: email || "unknown",
+          family_name: family.name,
+          expires_at: ARCHIVE_EXPIRY.from_now
+        )
+
+        archive.export_file.attach(
+          io: export_data,
+          filename: "sure_archive_#{family.id}.zip",
+          content_type: "application/zip"
+        )
+
+        raise ActiveRecord::Rollback, "File attach failed" unless archive.export_file.attached?
+
+        Rails.logger.info("InactiveFamilyCleanerJob: Archived data for family #{family.id} (email: #{email}, token_digest: #{archive.download_token_digest.first(8)}...)")
+      end
+    end
+end
diff --git a/app/models/archived_export.rb b/app/models/archived_export.rb
new file mode 100644
index 000000000..fb0f48181
--- /dev/null
+++ b/app/models/archived_export.rb
@@ -0,0 +1,29 @@
+class ArchivedExport < ApplicationRecord
+  has_one_attached :export_file, dependent: :purge_later
+
+  scope :expired, -> { where(expires_at: ...Time.current) }
+
+  attr_reader :download_token
+
+  before_create :set_download_token_digest
+
+  def downloadable?
+    expires_at > Time.current && export_file.attached?
+  end
+
+  def self.find_by_download_token!(token)
+    find_by!(download_token_digest: digest_token(token))
+  end
+
+  def self.digest_token(token)
+    OpenSSL::Digest::SHA256.hexdigest(token)
+  end
+
+  private
+
+    def set_download_token_digest
+      raw_token = SecureRandom.urlsafe_base64(24)
+      @download_token = raw_token
+      self.download_token_digest = self.class.digest_token(raw_token)
+    end
+end
diff --git a/app/models/family/subscribeable.rb b/app/models/family/subscribeable.rb
index de75bbe0c..9ac267f6c 100644
--- a/app/models/family/subscribeable.rb
+++ b/app/models/family/subscribeable.rb
@@ -1,8 +1,27 @@
 module Family::Subscribeable
   extend ActiveSupport::Concern
 
+  CLEANUP_GRACE_PERIOD = 14.days
+  ARCHIVE_TRANSACTION_THRESHOLD = 12
+  ARCHIVE_RECENT_ACTIVITY_WINDOW = 14.days
+
   included do
     has_one :subscription, dependent: :destroy
+
+    scope :inactive_trial_for_cleanup, -> {
+      cutoff_with_sub = CLEANUP_GRACE_PERIOD.ago
+      cutoff_without_sub = (Subscription::TRIAL_DAYS.days + CLEANUP_GRACE_PERIOD).ago
+
+      expired_trial = left_joins(:subscription)
+        .where(subscriptions: { status: [ "paused", "trialing" ] })
+        .where(subscriptions: { trial_ends_at: ...cutoff_with_sub })
+
+      no_subscription = left_joins(:subscription)
+        .where(subscriptions: { id: nil })
+        .where(families: { created_at: ...cutoff_without_sub })
+
+      where(id: expired_trial).or(where(id: no_subscription))
+    }
   end
 
   def payment_email
@@ -85,4 +104,13 @@ module Family::Subscribeable
       subscription.update!(status: "paused")
     end
   end
+
+  def requires_data_archive?
+    return false unless transactions.count > ARCHIVE_TRANSACTION_THRESHOLD
+
+    trial_end = subscription&.trial_ends_at || (created_at + Subscription::TRIAL_DAYS.days)
+    recent_window_start = trial_end - ARCHIVE_RECENT_ACTIVITY_WINDOW
+
+    entries.where(date: recent_window_start..trial_end).exists?
+  end
 end
diff --git a/config/routes.rb b/config/routes.rb
index 3cf33b146..8fede6930 100644
--- a/config/routes.rb
+++ b/config/routes.rb
@@ -125,6 +125,8 @@ Rails.application.routes.draw do
     end
   end
 
+  get "exports/archive/:token", to: "archived_exports#show", as: :archived_export
+
   get "changelog", to: "pages#changelog"
   get "feedback", to: "pages#feedback"
   patch "dashboard/preferences", to: "pages#update_preferences"
diff --git a/config/schedule.yml b/config/schedule.yml
index c0d324408..74ac99122 100644
--- a/config/schedule.yml
+++ b/config/schedule.yml
@@ -29,4 +29,10 @@ clean_data:
   cron: "0 3 * * *" # daily at 3:00 AM
   class: "DataCleanerJob"
   queue: "scheduled"
-  description: "Cleans up old data (e.g., expired merchant associations)"
+  description: "Cleans up old data (e.g., expired merchant associations, expired archived exports)"
+
+clean_inactive_families:
+  cron: "0 4 * * *" # daily at 4:00 AM
+  class: "InactiveFamilyCleanerJob"
+  queue: "scheduled"
+  description: "Archives and destroys families that expired their trial without subscribing (managed mode only)"
diff --git a/db/migrate/20260314131357_create_archived_exports.rb b/db/migrate/20260314131357_create_archived_exports.rb
new file mode 100644
index 000000000..1fecb099e
--- /dev/null
+++ b/db/migrate/20260314131357_create_archived_exports.rb
@@ -0,0 +1,15 @@
+class CreateArchivedExports < ActiveRecord::Migration[7.2]
+  def change
+    create_table :archived_exports, id: :uuid do |t|
+      t.string :email, null: false
+      t.string :family_name
+      t.string :download_token_digest, null: false
+      t.datetime :expires_at, null: false
+
+      t.timestamps
+    end
+
+    add_index :archived_exports, :download_token_digest, unique: true
+    add_index :archived_exports, :expires_at
+  end
+end
diff --git a/db/schema.rb b/db/schema.rb
index b56fb9f41..ae425569d 100644
--- a/db/schema.rb
+++ b/db/schema.rb
@@ -10,7 +10,7 @@
 #
 # It's strongly recommended that you check this file into your version control system.
 
-ActiveRecord::Schema[7.2].define(version: 2026_03_14_120000) do
+ActiveRecord::Schema[7.2].define(version: 2026_03_14_131357) do
   # These are extensions that must be enabled in order to support this database
   enable_extension "pgcrypto"
   enable_extension "plpgsql"
@@ -125,6 +125,17 @@ ActiveRecord::Schema[7.2].define(version: 2026_03_14_120000) do
     t.index ["user_id"], name: "index_api_keys_on_user_id"
   end
 
+  create_table "archived_exports", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.string "email", null: false
+    t.string "family_name"
+    t.string "download_token_digest", null: false
+    t.datetime "expires_at", null: false
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.index ["download_token_digest"], name: "index_archived_exports_on_download_token_digest", unique: true
+    t.index ["expires_at"], name: "index_archived_exports_on_expires_at"
+  end
+
   create_table "balances", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
     t.uuid "account_id", null: false
     t.date "date", null: false
diff --git a/test/controllers/archived_exports_controller_test.rb b/test/controllers/archived_exports_controller_test.rb
new file mode 100644
index 000000000..0e23cb286
--- /dev/null
+++ b/test/controllers/archived_exports_controller_test.rb
@@ -0,0 +1,57 @@
+require "test_helper"
+
+class ArchivedExportsControllerTest < ActionDispatch::IntegrationTest
+  test "redirects to file with valid token" do
+    archive = ArchivedExport.create!(
+      email: "test@example.com",
+      family_name: "Test",
+      expires_at: 30.days.from_now
+    )
+    archive.export_file.attach(
+      io: StringIO.new("test zip content"),
+      filename: "test.zip",
+      content_type: "application/zip"
+    )
+
+    get archived_export_path(token: archive.download_token)
+    assert_response :redirect
+  end
+
+  test "returns 410 gone for expired token" do
+    archive = ArchivedExport.create!(
+      email: "test@example.com",
+      family_name: "Test",
+      expires_at: 1.day.ago
+    )
+    archive.export_file.attach(
+      io: StringIO.new("test zip content"),
+      filename: "test.zip",
+      content_type: "application/zip"
+    )
+
+    get archived_export_path(token: archive.download_token)
+    assert_response :gone
+  end
+
+  test "returns 404 for invalid token" do
+    get archived_export_path(token: "nonexistent-token")
+    assert_response :not_found
+  end
+
+  test "does not require authentication" do
+    archive = ArchivedExport.create!(
+      email: "test@example.com",
+      family_name: "Test",
+      expires_at: 30.days.from_now
+    )
+    archive.export_file.attach(
+      io: StringIO.new("test zip content"),
+      filename: "test.zip",
+      content_type: "application/zip"
+    )
+
+    # No sign_in call - should still work
+    get archived_export_path(token: archive.download_token)
+    assert_response :redirect
+  end
+end
diff --git a/test/fixtures/families.yml b/test/fixtures/families.yml
index 10d5bd184..be4598bae 100644
--- a/test/fixtures/families.yml
+++ b/test/fixtures/families.yml
@@ -3,3 +3,7 @@ empty:
 
 dylan_family:
   name: The Dylan Family
+
+inactive_trial:
+  name: Inactive Trial Family
+  created_at: <%= 90.days.ago %>
diff --git a/test/fixtures/subscriptions.yml b/test/fixtures/subscriptions.yml
index 333ba7fe7..7d7b7c612 100644
--- a/test/fixtures/subscriptions.yml
+++ b/test/fixtures/subscriptions.yml
@@ -1,9 +1,14 @@
 active:
-  family: dylan_family 
-  status: active 
+  family: dylan_family
+  status: active
   stripe_id: "test_1234567890"
 
 trialing:
   family: empty
   status: trialing
   trial_ends_at: <%= 12.days.from_now %>
+
+expired_trial:
+  family: inactive_trial
+  status: paused
+  trial_ends_at: <%= 45.days.ago %>
diff --git a/test/fixtures/users.yml b/test/fixtures/users.yml
index dc55cfc0f..109b78a13 100644
--- a/test/fixtures/users.yml
+++ b/test/fixtures/users.yml
@@ -77,6 +77,19 @@ intro_user:
   show_ai_sidebar: false
   ui_layout: intro
 
+inactive_trial_user:
+  family: inactive_trial
+  first_name: Inactive
+  last_name: User
+  email: inactive@example.com
+  password_digest: $2a$12$XoNBo/cMCyzpYtvhrPAhsubG21mELX48RAcjSVCRctW8dG8wrDIla
+  role: admin
+  onboarded_at: <%= 90.days.ago %>
+  ai_enabled: true
+  show_sidebar: true
+  show_ai_sidebar: true
+  ui_layout: dashboard
+
 # SSO-only user: created via JIT provisioning, no local password
 sso_only:
   family: empty
diff --git a/test/jobs/inactive_family_cleaner_job_test.rb b/test/jobs/inactive_family_cleaner_job_test.rb
new file mode 100644
index 000000000..5a34307f4
--- /dev/null
+++ b/test/jobs/inactive_family_cleaner_job_test.rb
@@ -0,0 +1,149 @@
+require "test_helper"
+
+class InactiveFamilyCleanerJobTest < ActiveJob::TestCase
+  setup do
+    @inactive_family = families(:inactive_trial)
+    @inactive_user = users(:inactive_trial_user)
+    Rails.application.config.stubs(:app_mode).returns("managed".inquiry)
+  end
+
+  test "skips in self-hosted mode" do
+    Rails.application.config.stubs(:app_mode).returns("self_hosted".inquiry)
+
+    assert_no_difference "Family.count" do
+      InactiveFamilyCleanerJob.perform_now
+    end
+  end
+
+  test "destroys empty post-trial family with no accounts" do
+    assert_equal 0, @inactive_family.accounts.count
+
+    assert_difference "Family.count", -1 do
+      InactiveFamilyCleanerJob.perform_now
+    end
+
+    assert_not Family.exists?(@inactive_family.id)
+  end
+
+  test "does not create archive for family with no accounts" do
+    assert_no_difference "ArchivedExport.count" do
+      InactiveFamilyCleanerJob.perform_now
+    end
+  end
+
+  test "destroys family with accounts but few transactions" do
+    account = @inactive_family.accounts.create!(
+      name: "Test", currency: "USD", balance: 0, accountable: Depository.new, status: :active
+    )
+    # Add only 5 transactions (below threshold of 12)
+    5.times do |i|
+      account.entries.create!(
+        name: "Txn #{i}", date: 50.days.ago + i.days, amount: 10, currency: "USD",
+        entryable: Transaction.new
+      )
+    end
+
+    assert_no_difference "ArchivedExport.count" do
+      assert_difference "Family.count", -1 do
+        InactiveFamilyCleanerJob.perform_now
+      end
+    end
+  end
+
+  test "archives then destroys family with 12+ recent transactions" do
+    account = @inactive_family.accounts.create!(
+      name: "Test", currency: "USD", balance: 0, accountable: Depository.new, status: :active
+    )
+
+    trial_end = @inactive_family.subscription.trial_ends_at
+    # Create 15 transactions, some within last 14 days of trial
+    15.times do |i|
+      account.entries.create!(
+        name: "Txn #{i}", date: trial_end - i.days, amount: 10, currency: "USD",
+        entryable: Transaction.new
+      )
+    end
+
+    assert_difference "ArchivedExport.count", 1 do
+      assert_difference "Family.count", -1 do
+        InactiveFamilyCleanerJob.perform_now
+      end
+    end
+
+    archive = ArchivedExport.last
+    assert_equal "inactive@example.com", archive.email
+    assert_equal "Inactive Trial Family", archive.family_name
+    assert archive.export_file.attached?
+    assert archive.download_token_digest.present?
+    assert archive.expires_at > 89.days.from_now
+  end
+
+  test "preserves families with active subscriptions" do
+    dylan_family = families(:dylan_family)
+    assert dylan_family.subscription.active?
+
+    InactiveFamilyCleanerJob.perform_now
+
+    assert Family.exists?(dylan_family.id)
+  end
+
+  test "preserves families still within grace period" do
+    @inactive_family.subscription.update!(trial_ends_at: 5.days.ago)
+
+    initial_count = Family.count
+    InactiveFamilyCleanerJob.perform_now
+
+    assert Family.exists?(@inactive_family.id)
+  end
+
+  test "destroys families with no subscription created long ago" do
+    old_family = Family.create!(name: "Abandoned", created_at: 90.days.ago)
+    old_family.users.create!(
+      first_name: "Old", last_name: "User", email: "old-abandoned@example.com",
+      password: "password123", role: :admin, onboarded_at: 90.days.ago,
+      ai_enabled: true, show_sidebar: true, show_ai_sidebar: true, ui_layout: :dashboard
+    )
+    # No subscription created
+
+    assert_nil old_family.subscription
+
+    InactiveFamilyCleanerJob.perform_now
+
+    assert_not Family.exists?(old_family.id)
+  end
+
+  test "preserves recently created families with no subscription" do
+    recent_family = Family.create!(name: "New Family")
+    recent_family.users.create!(
+      first_name: "New", last_name: "User", email: "newuser-recent@example.com",
+      password: "password123", role: :admin, onboarded_at: 1.day.ago,
+      ai_enabled: true, show_sidebar: true, show_ai_sidebar: true, ui_layout: :dashboard
+    )
+
+    InactiveFamilyCleanerJob.perform_now
+
+    assert Family.exists?(recent_family.id)
+
+    # Cleanup
+    recent_family.destroy
+  end
+
+  test "dry run does not destroy or archive" do
+    account = @inactive_family.accounts.create!(
+      name: "Test", currency: "USD", balance: 0, accountable: Depository.new, status: :active
+    )
+    trial_end = @inactive_family.subscription.trial_ends_at
+    15.times do |i|
+      account.entries.create!(
+        name: "Txn #{i}", date: trial_end - i.days, amount: 10, currency: "USD",
+        entryable: Transaction.new
+      )
+    end
+
+    assert_no_difference [ "Family.count", "ArchivedExport.count" ] do
+      InactiveFamilyCleanerJob.perform_now(dry_run: true)
+    end
+
+    assert Family.exists?(@inactive_family.id)
+  end
+end
diff --git a/test/models/archived_export_test.rb b/test/models/archived_export_test.rb
new file mode 100644
index 000000000..56485cf9b
--- /dev/null
+++ b/test/models/archived_export_test.rb
@@ -0,0 +1,70 @@
+require "test_helper"
+
+class ArchivedExportTest < ActiveSupport::TestCase
+  test "downloadable? returns true when not expired and file attached" do
+    archive = ArchivedExport.create!(
+      email: "test@example.com",
+      family_name: "Test",
+      expires_at: 30.days.from_now
+    )
+    archive.export_file.attach(
+      io: StringIO.new("test content"),
+      filename: "test.zip",
+      content_type: "application/zip"
+    )
+
+    assert archive.downloadable?
+  end
+
+  test "downloadable? returns false when expired" do
+    archive = ArchivedExport.create!(
+      email: "test@example.com",
+      family_name: "Test",
+      expires_at: 1.day.ago
+    )
+    archive.export_file.attach(
+      io: StringIO.new("test content"),
+      filename: "test.zip",
+      content_type: "application/zip"
+    )
+
+    assert_not archive.downloadable?
+  end
+
+  test "downloadable? returns false when file not attached" do
+    archive = ArchivedExport.create!(
+      email: "test@example.com",
+      family_name: "Test",
+      expires_at: 30.days.from_now
+    )
+
+    assert_not archive.downloadable?
+  end
+
+  test "expired scope returns only expired records" do
+    expired = ArchivedExport.create!(
+      email: "expired@example.com",
+      family_name: "Expired",
+      expires_at: 1.day.ago
+    )
+    active = ArchivedExport.create!(
+      email: "active@example.com",
+      family_name: "Active",
+      expires_at: 30.days.from_now
+    )
+
+    results = ArchivedExport.expired
+    assert_includes results, expired
+    assert_not_includes results, active
+  end
+
+  test "generates download_token automatically" do
+    archive = ArchivedExport.create!(
+      email: "test@example.com",
+      family_name: "Test",
+      expires_at: 30.days.from_now
+    )
+
+    assert archive.download_token.present?
+  end
+end
diff --git a/test/models/family/subscribeable_test.rb b/test/models/family/subscribeable_test.rb
index 0b1aafe71..7fda5ec58 100644
--- a/test/models/family/subscribeable_test.rb
+++ b/test/models/family/subscribeable_test.rb
@@ -25,4 +25,86 @@ class Family::SubscribeableTest < ActiveSupport::TestCase
     @family.update!(stripe_customer_id: "")
     assert_not @family.can_manage_subscription?
   end
+
+  test "inactive_trial_for_cleanup includes families with expired paused trials" do
+    inactive = families(:inactive_trial)
+    results = Family.inactive_trial_for_cleanup
+
+    assert_includes results, inactive
+  end
+
+  test "inactive_trial_for_cleanup excludes families with active subscriptions" do
+    results = Family.inactive_trial_for_cleanup
+
+    assert_not_includes results, @family
+  end
+
+  test "inactive_trial_for_cleanup excludes families within grace period" do
+    inactive = families(:inactive_trial)
+    inactive.subscription.update!(trial_ends_at: 5.days.ago)
+
+    results = Family.inactive_trial_for_cleanup
+
+    assert_not_includes results, inactive
+  end
+
+  test "inactive_trial_for_cleanup includes families with no subscription created long ago" do
+    old_family = Family.create!(name: "Abandoned", created_at: 90.days.ago)
+
+    results = Family.inactive_trial_for_cleanup
+
+    assert_includes results, old_family
+
+    old_family.destroy
+  end
+
+  test "inactive_trial_for_cleanup excludes recently created families with no subscription" do
+    recent_family = Family.create!(name: "New")
+
+    results = Family.inactive_trial_for_cleanup
+
+    assert_not_includes results, recent_family
+
+    recent_family.destroy
+  end
+
+  test "requires_data_archive? returns false with few transactions" do
+    inactive = families(:inactive_trial)
+    assert_not inactive.requires_data_archive?
+  end
+
+  test "requires_data_archive? returns true with 12+ recent transactions" do
+    inactive = families(:inactive_trial)
+    account = inactive.accounts.create!(
+      name: "Test", currency: "USD", balance: 0, accountable: Depository.new, status: :active
+    )
+
+    trial_end = inactive.subscription.trial_ends_at
+    15.times do |i|
+      account.entries.create!(
+        name: "Txn #{i}", date: trial_end - i.days, amount: 10, currency: "USD",
+        entryable: Transaction.new
+      )
+    end
+
+    assert inactive.requires_data_archive?
+  end
+
+  test "requires_data_archive? returns false with 12+ transactions but none recent" do
+    inactive = families(:inactive_trial)
+    account = inactive.accounts.create!(
+      name: "Test", currency: "USD", balance: 0, accountable: Depository.new, status: :active
+    )
+
+    # All transactions from early in the trial (more than 14 days before trial end)
+    trial_end = inactive.subscription.trial_ends_at
+    15.times do |i|
+      account.entries.create!(
+        name: "Txn #{i}", date: trial_end - 30.days - i.days, amount: 10, currency: "USD",
+        entryable: Transaction.new
+      )
+    end
+
+    assert_not inactive.requires_data_archive?
+  end
 end