Tool
Recurring payments tracker: know what leaves before it leaves
Recurring charges are the quietest part of a budget. They were each a reasonable decision once, they never ask again, and together they usually account for more than people expect.
- Any cadence
Weekly, monthly, quarterly, annual, or every N days — all project forward automatically.
- Visible on the calendar
Each occurrence appears on its date with the balance carried through it.
- True monthly cost
Annual charges shown as their monthly equivalent so the real total is honest.
- Reminders before collection
A few days' notice is enough to cancel something you no longer want.
What counts as recurring
- Rent or mortgage, insurance and utilities.
- Loan, card and finance agreement payments.
- Software and media subscriptions, personal and business.
- Memberships — gym, professional body, coworking.
- Regular transfers: savings, tax set-asides, family support.
- Annual renewals: domains, certifications, vehicle tax.
The annual-charge trap
A single annual renewal is the most disruptive recurring item because it is large, infrequent and easy to forget. It also renews on a date nobody remembers agreeing to.
Entering it as an annual recurring item does two things: the calendar shows the hit on the right date, and a reminder arrives while cancelling is still an option.
A quarterly audit worth doing
- List every recurring item with its true monthly equivalent.
- Sort by cost and read the top five carefully.
- For each, ask whether you would sign up again today at that price.
- Cancel anything you would not, immediately rather than at renewal.
- Redirect the freed amount to a savings or debt item so it does not silently absorb.
Frequently asked questions
How do I track recurring payments?
Enter each one with its amount and cadence so it projects forward on the calendar, and review the full list quarterly against its true monthly cost.
Can it handle annual and quarterly charges?
Yes. Any cadence is supported and annual items show their monthly equivalent so totals stay honest.
Will it remind me before a payment is taken?
Yes, reminders can arrive a few days before each occurrence.
Does it need bank access to find my subscriptions?
No. You add them yourself, or import a CSV statement and convert repeated charges into recurring items.
See every repeat charge before it lands
Free forever, any cadence, reminders included.