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A subscription tracker that finds your recurring charges.

A subscription tracker finds the charges that repeat on your bank and card accounts and lists them in one place. Monio does it on its own: each subscription shows what it costs a month and a year, and Monio points out when a price goes up or the same service charges you twice. You don't have to tag anything.

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7 days free, no credit card. Then $7.99 a month.

Subscriptions and bills

Streaming

Price increased 12%

$15.49/mo

Gym membership

Billed monthly

$45.00/mo

Cloud storage

Billed monthly

$2.99/mo

Subscription Tracking

What you get.

  • Subscriptions found automatically

    Monio looks for the same merchant charging a similar amount on a schedule: weekly, every two weeks, twice a month, monthly, quarterly or yearly.

  • Price increases pointed out

    When a subscription starts charging clearly more than it used to, it gets a "Price went up" label with the change, so it doesn't slip by.

  • Duplicate subscriptions spotted

    If the same service shows up as two subscriptions, for example on two cards, Monio points it out and shows what keeping one would save in a year.

How it works

Three simple steps.

  1. 01

    Connect your bank and cards

    Link your accounts through Plaid, in the US or Canada. Monio can see your transactions but can never move money.

  2. 02

    Monio finds your subscriptions

    A charge needs to repeat, usually two or three times, before Monio lists it. More history means more is found.

  3. 03

    Track subscriptions in one list

    See each subscription with what it costs a month, and decide what is worth keeping.

How to track subscriptions with Monio

Connect the bank and card accounts your subscriptions are billed to. Monio brings in up to 24 months of history, depending on your bank, and finds the charges that repeat. They appear on the Subscriptions page under Spending.

You don't add subscriptions by hand or tag transactions. A charge from the same merchant at a similar amount on a regular schedule, from weekly to yearly, is found on its own.

What the subscription tracker shows

At the top of the page: what your subscriptions cost a month, what that comes to in a year at today's prices, how many you have, and how much has been charged so far this month.

Below that, a Coming up list shows the charges expected in the next 30 days, so a yearly renewal doesn't catch you off guard. Then comes every subscription with its monthly cost. Open one to see when it last charged you, when the next charge is expected, and its recent charges.

Credits and shared plans, shown as charged and paid back

Some subscriptions are partly paid back, by a card's statement credit or by a friend who shares the plan with you. Monio shows both sides instead of hiding one. A subscription might read, for example, "$12.99 charged a month, $10.00 of it paid back".

Each recent charge also says how much of it counts as your spending, and the Coming up list shows what a charge costs after credits. Your spending totals use what you really paid, not the full charge.

When a recurring charge isn't a subscription

Fixed bills like rent, insurance and utilities aren't listed as subscriptions. Monio finds them too, and they set the floor for your budget instead.

If Monio lists something you don't think of as a subscription, open it and choose Not a subscription. It moves to a Not subscriptions list and leaves the subscription total, but it still counts as spending. You can undo it any time.

Tracking subscriptions with a partner

In a household, the page can show household subscriptions from the accounts each person shares. When two of you pay for the same service, Monio points it out and shows what sharing one plan could save in a year. Charges on accounts shared as Totals only count in the total but aren't listed one by one.

Read more

FAQ

Questions, answered plainly.

What is a subscription tracker?
A subscription tracker is an app that finds the charges that repeat on your bank and card accounts, like streaming, apps and memberships, and lists them in one place. Monio's shows what each one costs a month and a year, and points out price increases and duplicates.
How do I track my subscriptions?
Connect your bank and card accounts to Monio through Plaid, and your subscriptions appear on the Subscriptions page under Spending. Monio looks for the same merchant charging a similar amount on a regular schedule, from weekly to yearly, so you don't tag or add anything.
Does Monio cancel subscriptions for me?
No. Monio shows what you pay for so you can decide what to keep, and it doesn't negotiate bills either. To cancel, you contact the company directly.
Why isn't one of my subscriptions listed yet?
A subscription appears once it has charged you a few times, usually two or three. When you connect, Monio brings in up to 24 months of history, depending on your bank, so subscriptions you've had for a while can be found from the start.
Does it count a subscription my card pays back?
It shows the charge and the credit side by side, and only what you really paid counts as spending. A plan fully covered by a card credit adds nothing to your spending.
Is Monio's subscription tracker free?
You can try it free for 7 days, with no credit card. After that it's part of Monio Pro, $7.99 a month or $80 a year, which includes every feature.

More answers on the FAQ page.

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