Recurring payments
Bilance finds the subscriptions, bills and repeated income hiding in your bank data and puts them in one list: what each one costs, when the next payment is due, and what they add up to per month. Fixed costs are where money leaks silently — nobody decides to waste €200 a month, it accumulates — and one list with one total turns that invisible drip into a number you can react to.
How it works
You do not type your subscriptions in. A detection engine looks for repeating patterns in your synced transactions — same merchant, similar amount, a monthly or yearly rhythm — and suggests them. You confirm each suggestion, so nothing lands in your list without your sign-off. You can also create a recurring manually, and attach any transaction to one from its details. Expected amounts are learned from the actual payments, so the list reflects what things really cost.
Around the list sit the views that make it useful: a calendar of upcoming payments, a "balance after recurrings" number, archiving for ended subscriptions, a recurrings section in every Monthly report, and full visibility in AI Chat — "what am I paying for streaming in total?" is a question, not a research project.
What it catches
Price increases. When a streaming service creeps from €9.99 to €12.99, the change is right there on the recurring next time you look — a glance at one list, not archaeology through months of statements.
Forgotten subscriptions. Detection resurfaces what you stopped noticing: the gym from a January resolution, the trial that quietly converted, the app you subscribed to for one trip.
Missed payments. A payment that does not arrive on time shows as overdue while it is still a quick fix — not yet a late fee or a cancelled insurance policy.
The real "can I spend this?" number. A balance of €800 is not €800 if rent and bills still claim their share this month. Balance after recurrings is the number to check before booking the weekend trip.
Honest limits
Bilance tracks and totals your recurring charges; cancelling one still happens with the provider. Expected amounts are learned from matched transactions rather than typed in — you edit a recurring's name, frequency and matched transactions, not its amount. Internal transfers between your own accounts cannot be recurring payments, and recurrings are not yet shared in Shared Finances.
Frequently asked questions
Does Bilance cancel subscriptions for me?
No. Bilance shows you every recurring charge, what it costs and when it last changed, so you can decide what to cancel — the cancelling itself happens with the provider. We would rather be honest about that than pretend a button does it.
How does Bilance detect my subscriptions?
A detection engine looks for repeating patterns in your synced transactions — same merchant, similar amount, regular rhythm — and suggests them as recurring payments. Nothing is created without your confirmation, and you can also add a recurring manually or attach any transaction to one.
Does Bilance track recurring income too?
Yes. Recurring payments cover repeated income as well as expenses — salary, rent you receive, benefits — so the forecast of your month includes both directions.
Find out what you actually pay for
Connect your banks and Bilance will surface the subscriptions in your data — set up in about 2 minutes.
