Subscriptions

Streaming, mobile, cloud storage, the gym, rent — one by one, regular expenses are small, but together they add up. The Subscriptions tab in Analytics gathers them into one list and answers three questions: what it all costs per month, when the next charge is due and what a subscription has cost you over all time.

What counts as a subscription

You don't need to set a subscription up separately. A subscription is a recurring expense in a personal book: anything you once recorded with a repeat is already in the list. Recurring income and transfers don't show up here, and a business book has no such tab.

The Add button on the tab adds a new subscription: it opens the expense form with the “Every month” repeat already on. Enter the amount, the account, the category and the date of the first charge — if the schedule is different (once a year, every two weeks), change it right there, in the “Repeat” field.

Totals

Three figures sit above the list. The Analytics period doesn't affect them: the tab looks ahead.

• Per month ≈ — what your subscriptions cost in an average month. A yearly pass is divided by twelve, and an “every two weeks” subscription is converted by the number of charges in a year.
• Next 12 months ≈ — the sum of the charges that actually fall within the coming year, by their dates. Skipped charges are left out.
• Next charge — the date, the name and “in how many days”.

Amounts in different currencies are not added up: the book's main currency is shown large, the others as separate amounts below it. There's no conversion at an exchange rate.

The list

Each row shows the name (the transaction description, or the category if there's none), the schedule, the date of the next charge and the amount. If the charge is three days away or sooner, “in N days” is highlighted. A subscription that isn't charged monthly also shows its per-month price under the amount. The bar under a row is the subscription's share of the monthly total in its currency. On the desktop and on the web you can sort the list by the next charge date or by the monthly amount with the switch above the totals; on the phone the order is always by date.

Cancelled subscriptions and series that have ended on their own sit below, in the collapsed “Cancelled and ended” block — with the end date and the all-time amount.

The subscription card

Click a row to open the card:

• the charge amount, the next date, the per-month and the 12-month price;
• “Cancel now and save ≈ … over a year” — the same 12 months ahead;
• all time — what the subscription has cost so far, how many payments there were and since when;
• the latest charges — click any of them to open the transaction itself.

“All time” follows the same rules as the rest of Analytics: transactions tagged “Not counted” and those on accounts left out of the total balance are not included.

A price rise or a different charge day

The Edit button opens the latest charge. Change the amount or the charge date and save with “This and following”: past payments stay as they were, new ones follow the new price and day, and the list still shows a single subscription.

Skip a charge

A free month or a paused pass — use Skip the next one. The next charge won't be created, the date in the list moves on to the following one, and the skipped amount drops out of the “next 12 months” forecast.

Cancel a subscription

The Cancel subscription button stops new charges from today. Payments already recorded stay in the book, and the subscription moves to “Cancelled and ended” together with its history. A charge that is already due — today’s included — is recorded before the cancellation: cancelling only affects future payments. “Stop recurrence” in the form of any transaction of the series does the same.

Svodly doesn't cancel the subscription with the service itself — it only keeps your records. Turn off the automatic payment in the service's app or at your bank, or the money will keep being charged.

Resume a subscription

Subscribed again? Open the subscription in the “Cancelled and ended” block and press Resume. The confirmation shows the amount, the schedule and the next charge date — by default the nearest one on the old rhythm. You can change the date, and the schedule follows it: if the service now charges on the 20th, pick the 20th, and from then on the subscription runs “every month, on the 20th”. The date cannot be earlier than today, and if the last charge was today — earlier than tomorrow.

The subscription returns to “Active” as the same row — with its amount, account, category, tags and reminder, and with its all-time history. The app creates no charges for the break. The Edit button changes the price of a resumed subscription — it appears with the first new charge. On a phone Resume is at the bottom of the subscription sheet, and the date is picked in a calendar right inside it.

Resuming, like cancelling, is only bookkeeping: subscribe again with the service itself.

Looks like regular payments

If you've been recording a subscription by hand — a separate transaction every month — the app notices: a “Looks like regular payments” block appears above the list, with the name, amount, schedule and the date of the last payment. The app looks for charges to one counterparty, or with the same description, that repeat every week, two weeks, month, quarter, half a year or year with an amount within 10%. Subscriptions you already have aren't suggested.

Add opens a confirmation with the amount, schedule and the date of the first automatic charge. The subscription starts from a future date — past transactions stay as they are, with no duplicates. Hide removes the suggestion on this device. The suggestion itself creates nothing and works offline.

Charge reminders

Three days before a charge and closer, a reminder appears on the Summary: “Charge in 2 days” or “Charge today”, with the name, amount and date below. The To subscriptions button opens this tab. If three subscriptions or more are charged in the coming days, there is a single reminder — “3 charges coming up” with a list. The cross hides the reminder until that subscription's next charge.

Don't want reminders about a subscription? Turn off “Remind me about the charge” in its card. The setting is shared by all your devices and stays when you change the subscription's price.

On the phone you can get notifications too. They stay off until you turn them on: the Reminders button on the Subscriptions tab → “Notify me about charges” → 1 day, 3 days or a week before. The notification arrives at 10:00 with the name and amount, and tapping it opens the Subscriptions tab. The phone asks for notification permission the first time you turn them on.

The “Subscription” tag

The app marks every subscription charge with the “Subscription” system tag. So subscriptions aren't only visible on this tab: filtering by the tag in Transactions shows all their charges for any period, and the “By tags” card in Analytics shows how much they took. The app puts the tag on and takes it off itself — you can't assign it by hand. Payments recorded before the tag appeared get it on their own after the update. The tag works on every platform, including the phone.

How to open the tab

• Analytics → the Subscriptions tab.
• Analytics → Structure → the “Recurring payments” card → All subscriptions.
• The command palette (Ctrl / ⌘ + K) → “Subscriptions”.
• The charge reminder on the Summary → To subscriptions.

Where to go next

• Recurring transactions — how schedules and series work.
• The “Upcoming” widget — the nearest charges on the phone's home screen.
• Tags — system tags and filtering by them.
• Analytics — the other tabs and what counts in the statistics.