A recurring bill
Name, amount, currency and next renewal date, created once.
Subscription tracker app without a bank login.
Recurring bills you create, eligible Apple Pay purchases through a Wallet Shortcut, payments from supported notifications and receipt scans — recorded without Plaid and without a bank password.
What Monetor records
Only what you give it.
The promise is narrower than automatic discovery. That is also why nothing else needs your credentials.
An eligible Apple Pay purchase
Passed through a Shortcut you install and a personal Wallet Transaction automation you configure.
A notification or a receipt
A payment identified from an app you choose, such as your bank app or Messages, or a receipt you scan.
See what is due before it is charged.
Each subscription shows its next date and amount, with a monthly and yearly running total beside it, so $6.99 reads as roughly $84 a year instead of a rounding error.
A service billing in EUR keeps EUR on the record while your base-currency view converts it approximately, using refreshed exchange-rate data. Treat the converted total as an estimate. The multi-currency budget app page has the model.
Choose controlled capture over account linking
Discovery or the credential.
A linked-account tracker reads your history through a provider such as Plaid and flags recurring charges you forgot. Monetor takes the opposite position: you keep the credentials and you accept the gaps.
| Question | Linked-account tracker | Monetor |
|---|---|---|
| Finds subscriptions you forgot? | Can, by scanning account history | No. You add or capture each one |
| Needs bank credentials? | Yes, authorized through a provider | No |
| Imports past charges? | Usually, where the link works | No backfill |
| Depends on a connection staying healthy? | Yes | There is no connection to lose |
Subscriptions are one line in a wider ledger.
Cash, physical-card purchases, Apple Pay taps and subscriptions sit in the same month, with the same categories and totals. The cash and card expense tracker covers the other inputs; the Apple Pay expense tracker explains which taps arrive on their own.
- People who will not hand a bank password or aggregator token to anyone
- People whose bank is poorly covered by aggregators
- Households with subscriptions billed in two or more currencies
Subscription tracker FAQ
Does Monetor find all my subscriptions automatically?
No. Nothing is discovered from a source the app is not connected to. It records subscriptions you create as recurring bills, eligible Apple Pay purchases that arrive through a Shortcut, payments identified from notifications of apps you choose, and entries you scan or type.
Does Monetor connect to my bank?
No. There is no bank sign-in, no Plaid and no aggregator handoff. You install a Shortcut and configure a personal automation you control.
Can it track subscriptions billed in another currency?
Yes. Each subscription keeps the currency it bills in, while your base currency gives an approximate combined total from refreshed exchange-rate data.
Does it work outside the US?
The ledger is not US-specific, because there is no bank integration at all. Apple Pay card and issuer support varies by country; manual entry and receipt scans behave the same anywhere.
Can it cancel a subscription for me?
No. Monetor does not cancel anything or contact providers on your behalf. It records the renewal date and amount so the decision arrives before the charge.
Is it available on the App Store?
Not yet. Monetor is in TestFlight early access. Join the waitlist for availability and setup details.
Complete the rest of the picture.
Know what’s renewing. Before it does.
Join Monetor early access for iPhone, then start with one subscription whose renewal date you already know.