AI Subscription Tracker — Find Forgotten Subscriptions and Recurring Costs.
Panzoe's Subscription Detective looks at the transactions you add to Panzoe Finance, detects recurring charges, groups them into subscriptions and shows the monthly and annual cost of each — so you can decide what to keep, review or cancel. Personal and business subscriptions, one clear list.
Explore free · No card to sign up · Upgrade when you're ready · Current prices in your selected currency on the pricing page
Small monthly charges add up to a large annual surprise.
A free trial quietly became a paid plan months ago.
Two tools do the same job and both are still billing.
Annual renewals land in a month you didn't budget for.
Nobody knows the true yearly cost of "all the subscriptions".
Detects, groups and prices your recurring payments.
Everything below is live in Panzoe today. Panzoe works from transactions you add — it does not connect to your bank or cancel services for you.
Subscription Detective
Scans your recent transactions for repeating charges and groups them into named subscriptions with their billing rhythm.
Unused & forgotten subscriptions
Spot services you've stopped using and trials that turned into paid plans.
Duplicate software services
See overlapping tools side by side — two note apps, two storage plans — and pick one.
Monthly & annual costs
Each subscription shows its monthly equivalent and yearly total, plus the combined figure.
Potential savings
Mark each subscription keep or cancel and watch the projected annual saving update.
Personal and business
Track household subscriptions in your personal workspace and your company's software charges in a separate business workspace.
Consolidation plan
Turn your review into a short action list — what to cancel, when renewals fall, who owns each.
Financial Health context
Subscription spend feeds your Financial Health Score and cash-flow view in Panzoe Finance.
Who uses the subscription tracker.
Streaming, apps, memberships and deliveries reviewed together instead of one surprise at a time.
Separate software spend from personal subscriptions and see the true cost of your toolkit.
Find duplicate SaaS tools across the team and consolidate before renewal.
Know the fixed recurring cost before planning the rest of the month.
A twenty-minute subscription review.
Enter or paste recent card and bank transactions into Panzoe Finance.
Panzoe detects recurring charges and groups them into subscriptions.
Decide keep or cancel; note duplicates and forgotten trials.
The projected annual saving and remaining recurring cost update as you decide.
Cancel with the provider, set renewal reminders and draft any cancellation emails with the AI Writing Assistant.
A subscription tracker inside your whole financial picture.
Transparent
Works from transactions you control — no bank logins or card details required.
Decisions, not just lists
Keep or cancel with projected savings, not another spreadsheet.
Reminders where you'll see them
Renewal dates can appear in your daily briefing.
Part of Panzoe Finance
Budgets, financial health score and cash-flow forecast share the same data.
Questions, answered.
How does the AI subscription tracker find subscriptions?
Subscription Detective analyses the transactions you add to Panzoe Finance, detects charges that repeat on a monthly or annual rhythm and groups them into subscriptions with their cost.
Does Panzoe connect to my bank account?
No. You add or paste transactions yourself. Panzoe does not access your bank, card or payment accounts.
Can Panzoe cancel subscriptions for me?
No. Panzoe helps you decide and can draft a cancellation message, but you cancel with the provider.
Can I track business and personal subscriptions separately?
Yes. Keep household subscriptions in your personal workspace and add your company's software and service charges in a separate business workspace, each with its own review.
Will it remind me before renewals?
Renewal dates you record can appear in your daily briefing and reminders.
Is it free to try?
Explore Panzoe free with no card to sign up, then upgrade when you're ready. Current prices are on the pricing page.
Stop paying for things you forgot you had.
Explore Panzoe free and run your first subscription review today.