Find your subscriptions and price increases

Say your household's streaming bill looks higher than it used to, and you want a list of everything that charges you on a schedule. Your AI can pull that list from your own transactions, show what each charge costs per year, and find the ones whose price went up.

How Pennyweight spots a subscription, and how that differs from your bank's recurring bills, is covered in subscriptions vs bank-detected recurring payments.

How to do it

1. Ask your AI what subscriptions you're paying for. It lists each one with its schedule, latest amount, last charge date and next expected date, plus what it costs per month and per year.
2. Ask what was left out. Payments between your own accounts, debt and housing payments, interest charges and spending whose amount changes each time aren't listed as subscriptions. Your AI is told how many it left out and why.
3. Ask which subscriptions went up in price. Pennyweight records each subscription's most recent price change, even one from months ago. Your AI can also search past charges by merchant, as in ask about any transaction.
4. Ask which subscriptions haven't charged you in 90 days or more. Pennyweight counts the days since each one's last charge, and your AI can list only those at 90 days or more.
5. To check another ledger, such as a business ledger, name it. Without a name, your AI looks at your active ledger. See workspaces and ledgers.
6. To keep the total in check, ask your AI to set a monthly budget on the category your subscriptions are in.

What you'll see

For the first prompt, your AI lists your subscriptions, sorted by yearly cost unless you ask for another order. A $15.49 monthly streaming charge, for example, shows as $185.88 a year. It also gives monthly and yearly totals, one set per currency.

For the second, your AI names each subscription whose price went up, with the old and new amounts.

For the third, your AI names the subscriptions with no charge in the last 90 days or more, or tells you there are none.

Good to know

• A subscription needs at least 3 charges at a steady price. Pennyweight looks at money going out in the last 365 days, by merchant and currency. A merchant counts once it has 3 charges on a regular schedule at a steady price. A price change on the latest charge doesn't stop it counting. One you cancelled drops off once fewer than 3 of its charges fall inside that year.
• Some regular payments are left out on purpose. Pennyweight spots them by their category, a transfer link, or a matching deposit on another of your accounts, so a payment with an unexpected category can still show up. Your AI can leave it out of its answer, but the list itself doesn't change.
• Bills that vary are listed apart. A bill on a regular schedule whose amount changes each time, such as a power bill, isn't a subscription. Your AI gets it in a separate list of recurring bills.
• Price changes under 2% are ignored. The price-change flag compares the latest charge with the one before, and it fires for a drop as well as a rise. The most recent change is kept even after later charges at the new price.
• "Unused" means no charge for 90 days or more. Pennyweight has no data on whether you use a service.
• Each currency is listed separately. Subscription totals are never added across currencies. See accounts and totals in more than one currency.
• Nothing is cancelled for you. The list is read-only. Cancel a subscription with the merchant.
• Your bank can report recurring bills too. For a linked US bank, you can turn on recurring bills and income from your bank. See turn on card, investment and recurring details.