Tracking recurring payments
Recurring payments like subscriptions, memberships, and regular bills can add up quickly. Finthy helps you identify and track these regular expenses.
What are recurring payments?
Recurring payments are charges that repeat on a regular schedule:
Monthly subscriptions: Netflix, Spotify, gym memberships
Utility bills: Electricity, water, internet, phone
Insurance premiums: Health, car, home insurance
Loan payments: Mortgages, car loans, personal loans
Membership fees: Clubs, services, software
Track recurring payments with the calendar
Finthy includes a Calendar where you can schedule recurring bills and events and get reminders before they are due. The calendar is available on the Free plan in the web app. The native mobile app is on our roadmap.
Add a recurring event: open Calendar and click Add event. Give it a title, a category, and an amount (a fixed amount, or a range for bills that vary), then set how often it repeats (weekly, monthly, quarterly, yearly, and more).
Track as recurring event: from a transaction’s actions menu (⋮), choose Track as recurring event to turn an existing charge into a tracked recurring event, pre-filled from that transaction.
Automatic matching: Finthy matches your scheduled events to real transactions by amount and date, marking each occurrence as Upcoming, Matched, Missed, or Skipped.
Reminders: get reminded on the day, or 1 day, 3 days, or 1 week before, by in-app notification or email in the web app.
For a full walkthrough, see Calendar and recurring events.
Finding recurring payments in Finthy
Go to your Transactions page
Look for transactions from the same merchant appearing regularly
Use the search to filter by merchant name
Review monthly spending by category
Managing subscriptions effectively
Tips for controlling recurring costs:
Audit regularly: Review subscriptions monthly to catch unused services
Cancel unused services: Remove subscriptions you no longer use
Downgrade when possible: Switch to cheaper plans if you do not need premium features
Negotiate bills: Contact providers to ask for better rates
Using budgets for recurring payments
Create budgets for predictable expenses:
Create a budget for Bills and Utilities category
Set the limit to your expected monthly recurring total
Track against the budget throughout the month
Adjust as your recurring payments change
Spotting unexpected charges
Watch for:
Price increases on existing subscriptions
Free trials converting to paid subscriptions
Duplicate charges from the same service
Services you forgot you signed up for