NetflixMay 14 · charges ••5737
US$15.99
FinoGet startedSubscriptions
Stop finding out about charges after they happen.
Fino automatically detects your recurring charges — monthly gym memberships, annual software renewals, streaming services — and turns them into a clear upcoming schedule. Know what's coming before it hits your account.
✓ No manual entry✓ Annual & monthly charges✓ Price change alerts
FinoSimplify your financial world
Recurring spendUS$184/mo
12 detected · 3 due soon
Microsoft 365May 21 · charges ••1006
US$99.99Gym membershipJun 1 · charges Checking
CA$54.00InsuranceJul 8 · charges Visa
CA$142.20Fin AI watchlistMicrosoft 365 is an annual renewal. Price is up 9% vs last year.
$624Average annual loss
from forgotten subscriptions
12+Subscriptions detected
for the average Fino user
45 daysForward visibility
upcoming renewal window
4 cyclesBilling cadences tracked
monthly, quarterly, semi-annual, annual
How it works
Detection that runs on your data, not your memory.
01
Fino scans your transaction history
As soon as your accounts are connected or statements are uploaded, Fino looks for recurring patterns — same merchant, similar amounts, regular timing — without you doing anything.
02
Each recurring charge becomes a subscription
Monthly Netflix, annual Microsoft 365, quarterly insurance — each gets its own record with a detected billing cycle, expected next date, and charge history.
03
You see what's coming before it arrives
The renewal calendar shows the next 45 days of charges in sequence. You know which card will be hit, approximately when, and roughly how much.
04
Price changes and surprises get flagged
When a merchant charges materially more than before, Fino surfaces it. No more discovering a 30% price increase three months after it happened.
What you get
Every angle on your recurring spend.
45-day renewal calendar
Every upcoming charge in the next 45 days shown in date order. Nothing catches you off guard.
Price change detection
When a subscription charges more or less than usual, Fino flags the difference so you can decide whether to keep, cancel, or renegotiate.
Card and account context
When available, Fino shows which card or account the subscription is charged to — so you know what happens if that card expires.
Billing cycle separation
Monthly charges don't get mixed up with annual ones. Each cycle type is separated so planning stays clean.
Fin AI watchlist
Ask Fin AI which subscriptions have grown, what renewed this month, or which annual charges are coming. It reads your actual subscription data.
Budget integration
Recurring spend feeds directly into budget categories. Annual renewals get forecasted so they don't blow up the month they land.
Renewal calendar
See the next 45 days of charges in one view.
Fino builds a rolling renewal calendar from your detected subscriptions. Each entry shows the merchant, expected date, estimated amount, and billing cycle — giving you a clear picture of what's coming before it arrives.
Annual renewals that could spike a month's spending are marked separately, so you can plan around them instead of reacting to them.
Start free trialFinoSimplify your financial world
Upcoming renewalsNext 45 days
12
13
14Netflix
15
16iCloud
17
18
19
20
21Microsoft
22
23Gym
Price changes
Know the moment a subscription costs more.
Most people discover subscription price increases months late — or never. Fino compares each recurring charge to the previous amount and flags meaningful differences automatically. You find out the first time it happens, not the tenth.
- Flagged on the first divergent charge
- Shows old amount vs. new amount
- Accessible through Fin AI queries
$624Average annual loss from forgotten or unreviewed subscriptionsC+R Research, 2022
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