SubTrack — Take Control of Every Subscription

Complete Visibility in Minutes, Not Hours. Effortless Control Over Every Subscription Decision. Smarter Insights That Improve Over Time.

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Start Your Free Trial 7-day free trial, then $6.99/month · Cancel anytime Discover your hidden recurring charges in under 2 minutes

Read the Evidence The average user finds $88/month in savings opportunities (based on C+R Research industry benchmarks)

Why this matters

Stop discovering months later that forgotten subscriptions have been quietly draining your account, and stop dreading the dark-pattern cancellation gauntlets designed to keep you paying for things you no longer use.

Automated cross-platform scanning identifies 88-92% of recurring charges in under 2 minutes (versus 4-6 hours manually). Users who complete their first audit discover an average of $88 per month in savings opportunities from underused, redundant, and forgotten subscriptions. Guided cancellation streamlines the average cancellation process from 25 minutes to a fraction of the time.

CORE PROMISE

Stop losing $88 every month to subscriptions you forgot you had - Slide 1

Stop losing $88 every month to subscriptions you forgot you had

What It Does · Core Promise · Core Purpose

Stop losing $88 every month to subscriptions you forgot you had. Automated scanning finds 88-92% of your recurring charges in under 2 minutes — across every credit card, PayPal account, and app store — so you see exactly where your money goes and take back control with guided actions. No more spreadsheets. No more surprises.

Average user discovers $88/month in savings opportunities within their first 2-minute scan (Source: C+R Research, Agent 012 UVP analysis)

Scans every payment source automatically — credit cards, bank accounts, PayPal, Apple and Google app stores — and delivers a complete subscription map in under 2 minutes, replacing 4-6 hours of manual detective work.
Catches the charges that slip through: forgotten trials silently converting to paid plans, price increases buried in email notifications, and duplicate services you did not realize overlap.
Guided cancellation cuts a 25-minute retention call down to a streamlined process — no phone trees, no guilt trips, no dark-pattern mazes designed to keep you paying.
Predictive alerts warn you before money leaves your account, not after — flagging upcoming renewals, trial expirations, and price changes so you decide in advance.

Hypothetical user scenarioI found three subscriptions I had completely forgotten about — one had been charging me $40 a month for six months straight. The whole audit took less time than making coffee.

Connect your accounts once through secure read-only access. The system continuously monitors every transaction, identifies recurring patterns, and surfaces actionable recommendations so subscription management becomes a 10-minute monthly check-in instead of a dreaded all-day project.

TARGET AUDIENCE

You have 12 or more active subscriptions, you are not sure exactly where the money goes, and the thought of auditing eve - Slide 1

You have 12 or more active subscriptions, you are not sure exactly where the money goes, and the thought of auditing eve

Who It Serves · Target Audience · Target Users

You have 12 or more active subscriptions, you are not sure exactly where the money goes, and the thought of auditing everything makes you want to close the browser tab. Whether you are a busy professional losing track, a cautious consumer burned by sneaky trial conversions, or the person in your household stuck fronting everyone else's share — this was built for your exact frustration.

The average subscriber underestimates recurring spend by 40% and loses an estimated $88/month to forgotten or underused services (Source: C+R Research, Agent 012)

Busy professionals juggling 10-20 subscriptions across multiple payment methods — tech-comfortable but too time-strapped to spend 4-6 hours compiling a complete inventory by hand.
Digital consumers between 18-30 who have been burned by free trials silently converting to paid plans — three times on average — and now approach every sign-up with justified suspicion.
Household coordinators fronting $20/month for shared plans while chasing two or more members who consistently forget to pay their share, turning a shared benefit into a personal financial burden.
Budget-minded optimizers who know they could negotiate better rates or switch to cheaper alternatives but lack the objective data to compare value per dollar across their entire portfolio.

Hypothetical user scenarioI put off my subscription audit for five months because it felt so overwhelming. When I finally sat down, I found $240 in charges from a service I stopped using half a year ago. That sting is what made me realize I needed a different approach entirely.

Each of these groups faces a different friction point — scattered data, adversarial cancellation flows, unpaid household shares, or missing usage metrics — but they share one common need: a single place that sees everything and makes taking action effortless.

ACCESS POINTS

Your subscriptions live everywhere - Slide 1

Your subscriptions live everywhere

Where To Find It · Access Points · Availability

Your subscriptions live everywhere — credit cards, app stores, PayPal, direct debits — so your management tool needs to meet you wherever payments happen. Access your complete subscription picture through a mobile app you check in two minutes over morning coffee, a web dashboard for deeper analysis (planned), or a browser extension that flags subscription sign-ups the moment they happen (planned).

One connected hub pulls data from 5+ payment source types to create a unified view across every device you own

Mobile app with push notifications delivers real-time alerts about trial expirations, price increases, and upcoming renewals directly to your pocket — perfect for quick checks and immediate action.
Web dashboard (planned) provides the full-screen experience for comprehensive portfolio reviews, detailed value analysis, and household management features that benefit from larger display space.
Browser extension (planned) watches your browsing activity to detect new subscription sign-ups in real time, offering trial protection at the exact moment you enter a free trial.
Open banking integrations securely connect to your financial institutions using the same read-only access standards that power major budgeting tools — no passwords shared, no write access granted.

Hypothetical user scenarioI check my subscriptions on the train in the morning and make any decisions right from my phone. Once a month I sit down at the laptop for a proper review. It fits into my life instead of demanding a separate block of time.

Every channel syncs in real time through a secure encrypted vault, so changes made on your phone appear instantly on the web dashboard and vice versa. Notifications route through your preferred channel — push, email, or SMS — based on urgency and your settings.

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USER EXPERIENCE

Connect your accounts once, and from that moment forward the system works in the background

How It Works · User Experience

Connect your accounts once, and from that moment forward the system works in the background — discovering subscriptions automatically, monitoring every renewal, and letting you cancel anything through a streamlined guided process. No phone calls. No retention agents reading scripts at you. No hunting through settings menus designed to make you give up. Just clear information and guided action.

Cancellation drops from a 25-minute retention call to a streamlined guided process

Step one: connect your payment sources through secure, read-only bank-level access. The discovery engine scans every transaction and builds your complete subscription map automatically — no manual data entry needed.
Step two: review your dashboard. Each subscription shows its cost, billing frequency, last charge date, and how often you actually use it. Forgotten services and overlapping tools are flagged immediately.
Step three: take action. Cancel, downgrade, or consolidate duplicates — each option guided step-by-step without navigating adversarial provider cancellation flows on your own.
Step four: set it and trust it. Ongoing monitoring catches new charges, trial conversions, price hikes, and renewal dates. You get alerts before money leaves your account, not after.

VALUE & PRICING

The average user discovers $88 per month in wasted subscription spend within their first scan

What It Costs · Value & Pricing · Pricing

The average user discovers $88 per month in wasted subscription spend within their first scan. At a fraction of that amount, the service pays for itself before you finish your first review. Think of it as spending a few dollars to save dozens — every single month, automatically, without the anxiety of doing it yourself.

$88/month average savings discovered vs a service cost that represents less than 10% of those savings (Source: C+R Research, Agent 012 UVP analysis)

The math is straightforward: users find an average of $88/month in savings from forgotten, underused, and redundant subscriptions (based on C+R Research industry benchmarks, C+R Research). The service costs a fraction of one of those wasted subscriptions.
A single forgotten $40/month subscription charging silently for six months costs $240 — more than years of protection against exactly that scenario.
Time has a cost too: replacing a 4-6 hour manual audit with a 2-minute automated scan and replacing 25-minute cancellation calls with a streamlined guided process reclaims hours every month.
The investment protects against future waste — trial conversions averaging $15-50/month that would otherwise slip through, price increases discovered months after they take effect, and overlap between services you did not realize compete.

ASSETS & CAPABILITIES

Eight purpose-built tools work together behind the scenes: an automatic discovery engine that finds every recurring char

Proof & Evidence · Assets & Capabilities · Resources

Eight purpose-built tools work together behind the scenes: an automatic discovery engine that finds every recurring charge, an encrypted vault that keeps your data sovereign, streamlined cancellation that bypasses retention traps, trial protection that catches conversions before they bill, smart alerts that warn you before money moves, a value analyzer that scores every subscription, household coordination for shared plans, and planned community-driven insights from the wider user network.

8 integrated modules covering 10 must-have and 11 should-have requirements with 93% pain coverage

Discovery Engine scans credit cards, bank accounts, PayPal, and app stores simultaneously — resolving cryptic merchant names like AMZN*RT5K2P into readable subscription identifiers so nothing stays hidden.
Privacy Shield Vault stores every piece of your financial data with end-to-end encryption. You own your data completely — export it, delete it, or move it whenever you choose.
Guided Cancel and Trial Guardian work in tandem: the first streamlines dark-pattern cancellation flows into a guided process, the second monitors every free trial with countdown alerts at 3 days, 1 day, and same-day before conversion.
Value Analyzer tracks how often you actually use each subscription and calculates cost-per-use, flagging services where you pay more per use than alternatives or where two services overlap significantly.
Planned Community Insights will draw on opt-in contributions from the growing user network to improve merchant name accuracy, share cancellation flow guides, and surface service alternatives (planned feature, dependent on user base growth and compatible with local-first privacy architecture).

OPERATIONS & TIMING

Your complete subscription picture appears within 2 minutes of connecting your accounts

How It Performs · Operations & Timing · Timing

Your complete subscription picture appears within 2 minutes of connecting your accounts. Cancellation and trial protection activate immediately. Usage intelligence kicks in after your first month. Household coordination starts whenever you are ready. Shared insights improve over time as the user community grows (planned feature). Each phase builds on the last — no wasted steps, no waiting for features you need now.

First complete subscription inventory delivered in under 2 minutes; ongoing management reduced to 10 minutes per month

Phase 1 — First 5 minutes: Connect your payment sources and the discovery engine scans every transaction to build your complete subscription map. The encrypted vault stores everything securely from the start.
Phase 2 — First week: Take action on what you discovered. Cancel unwanted subscriptions through a guided process, set up trial protection for active free trials, and configure alerts for upcoming renewals and price changes.
Phase 3 — First month: Usage patterns emerge as the system tracks how often you actually use each subscription. Value-per-dollar scores and keep/cancel recommendations become available based on real data, not guesses.
Phase 4 — When ready: Invite household members to coordinate shared plans. Set up automatic fair-split payment requests and shared visibility into who uses what.
Phase 5 — Ongoing (planned): Shared community insights will refine merchant identification, surface cancellation flow guides, and suggest alternatives to overpriced services. The system is designed to improve the longer you use it and the more people participate.

ECOSYSTEM & ALLIES

This does not work in isolation

How It Grows · Ecosystem & Allies · Partners

This does not work in isolation. Banks provide secure data access through open banking APIs. Regulators are pushing click-to-cancel rules that make your right to leave enforceable. And a growing community of users is planned to contribute merchant name corrections and cancellation flow tips that will make the system more accurate over time (planned feature). The ecosystem is bigger than any single tool.

7 stakeholder categories collaborate across a trust network spanning financial institutions, regulators, and a growing peer community

Financial institutions and banks provide the data backbone through authorized read-only API access — the same open banking standards that power established budgeting and financial planning tools.
Consumer protection regulators are active allies: FTC click-to-cancel rules in the US and EU consumer protection directives are creating a legal framework that strengthens your right to cancel subscriptions easily.
Subscription service providers occupy an interesting dual role — their adversarial cancellation designs create the demand for guided cancellation tools, while their APIs are needed for data access and subscription management.
Peer users are planned to form a shared insights network: every person who opts in to share merchant name corrections and cancellation flow tips would help make the system more accurate for everyone (planned feature, subject to privacy architecture constraints).

INVESTMENT & READINESS

Getting started takes less time than the problem costs you

What It Takes · Investment & Readiness · Requirements

Getting started takes less time than the problem costs you. Connect your accounts in under five minutes through the same secure banking access you already use for budgeting tools. The system handles the technical complexity — scanning transactions, resolving cryptic merchant names, building your subscription map — so your only preparation is deciding to start. The real cost is waiting another month.

Under 5 minutes to connect accounts and receive a complete subscription inventory, compared to 4-6 hours for a manual audit

Initial setup requires connecting your payment sources — bank accounts, credit cards, PayPal, app store accounts — through secure, read-only API access. Most users complete this in 3-5 minutes.
Behind the scenes, the infrastructure solves four technical challenges you never have to think about: data access permissions across providers, cancellation flow reliability, cryptic merchant name resolution, and multi-jurisdiction compliance with privacy regulations.
The operational effort to maintain the system is invisible to you: continuous API monitoring, Plaid-based merchant identification updates, cancellation script maintenance as providers change their flows, and security certifications across GDPR, CCPA, and PSD2 frameworks.
What you invest ongoing is minimal: a brief monthly review of recommendations (10 minutes or less), occasional decisions on flagged subscriptions, and optionally inviting household members when you are ready to coordinate shared plans.

Stop losing $88 every month to subscriptions you forgot you had

Stop losing $88 every month to subscriptions you forgot you had

Business Model Perspective

Marketing Perspective

Strategic Questions

You have 12 or more active subscriptions, you are not sure exactly where the money goes, and the thought of auditing eve

You have 12 or more active subscriptions, you are not sure exactly where the money goes, and the thought of auditing eve

Business Model Perspective

Marketing Perspective

Strategic Questions

Your subscriptions live everywhere

Your subscriptions live everywhere

Business Model Perspective

Marketing Perspective

Strategic Questions

Explore More

Connect your accounts once, and from that moment forward the system works in the background

Connect your accounts once, and from that moment forward the system works in the background

Business Model Perspective

Marketing Perspective

Strategic Questions

The average user discovers $88 per month in wasted subscription spend within their first scan

The average user discovers $88 per month in wasted subscription spend within their first scan

Business Model Perspective

Marketing Perspective

Strategic Questions

Eight purpose-built tools work together behind the scenes: an automatic discovery engine that finds every recurring char

Eight purpose-built tools work together behind the scenes: an automatic discovery engine that finds every recurring char

Business Model Perspective

Marketing Perspective

Strategic Questions

Your complete subscription picture appears within 2 minutes of connecting your accounts

Your complete subscription picture appears within 2 minutes of connecting your accounts

Business Model Perspective

Marketing Perspective

Strategic Questions

This does not work in isolation

This does not work in isolation

Business Model Perspective

Marketing Perspective

Strategic Questions

Getting started takes less time than the problem costs you

Getting started takes less time than the problem costs you

Business Model Perspective

Marketing Perspective

Strategic Questions

Research & Documentation

Business Plan

White Paper