You're pretty sure you pay for more than you use. A streaming service you kept after the free trial, an app you opened twice, the gym you stopped going to in March. Finding the subscriptions on your card usually means scrolling back through months of statements, and you probably pay with more than one card.
Spentio does that scrolling for you. You upload the statements from your cards and accounts, and it pulls the payments that repeat on all of them into one list. It never asks for your online banking login. Here's how it works.
How to find the subscriptions on your card in four steps
1. Upload a few months of statements from each card
Download your statements from your bank's website or app and upload them as PDFs, or upload a screenshot or a photo of your banking app. Do it for every card you pay with, debit and credit, and for your checking account. Magic Import, our AI, reads every transaction. A few months are enough to bring up what you pay every month. For things that renew once a year, go back a bit more than a year.
2. Open your suggested payments
Go to Planning › Recurring and open Suggested payments. Each one shows the name, what it costs a month or a year, and how many times it was found.
3. Add the ones you want to track
Choose Add. The form opens with the amount, the day and the card or account already filled in from the charges. Check it and save. If it's something you don't need to track, dismiss it.
4. Cancel what you don't use
Cancel the ones you're done with at the company that bills you. Then open that payment in Spentio and choose End from today. Its past charges stay right where they were.
What you see afterward
Your Recurring page lists every payment you added, with what's still due this month. Switch between a list and a calendar to see which days they hit. Open any of them to see its own page, with every past charge.
Recurring charges that just say Apple, Google Play or PayPal
If you pay for apps or services through Apple, Google Play or PayPal, several subscriptions can show up on your card as a single charge from that company. Spentio shows you that charge. To see what's inside it, check the subscriptions in your Apple ID settings, your Google Play subscriptions, or the automatic payments in your PayPal account. In Spentio, you add that charge to your list like any other.
Why not go through your statements by hand
By hand, it's one card and one month at a time. Spentio lines up the same merchant across every month and every card at once, so a $15.99 on your debit card and a yearly renewal on your credit card land in the same list, each one showing how many times it was found.
Your subscriptions, all in one place
One list of what keeps charging you, from every card you upload. The step-by-step guide walks through every tap, and you can add a recurring payment by hand too.
Start free, no credit card needed.