The Recurring page lists the subscriptions, bills and income that come back on a schedule. We find them for you in your own transactions, and you can add any we miss.
On a computer, Recurring is in the sidebar. On a phone, tap More in the tab bar.
How we spot a recurring charge
Each time new transactions come in, we look for the same merchant charging you again and again:
- On a regular schedule: weekly, every 2 weeks, twice a month, monthly, every 3 months, every 6 months or yearly.
- At a similar amount each time. A bill that moves around a little, like hydro, still counts once it has come back a few times.
- Often enough to be sure. It takes a few months of history to see a pattern, so a new subscription shows up once it has charged you a few times.
We only list a charge when we're confident it repeats. Everyday spending like groceries or coffee doesn't qualify, because the days and amounts vary too much. When your bank flags a charge as recurring, that helps us spot it sooner.
We look at the last 27 months of transactions. Pending transactions, transactions set to Ignore from everything, and investment accounts aren't included.
The types of recurring charges
Each charge is sorted by its category first, then by its name. If one lands in the wrong type, changing its category moves it.
Type | What goes there |
|---|---|
Home | Mortgage and rent |
Loans and credit | Loan and credit card payments |
Bills and utilities | Hydro, water, phone, internet and taxes |
Insurance | Home, car, life and other premiums |
Subscriptions | Streaming, apps and memberships |
Fees and interest | Account and card fees, interest charges |
Other recurring charges | Charges that repeat, but nothing yet says what they are |
Income | Pay and other money that comes in on a schedule |
The Upcoming and All tabs
- Upcoming opens on a calendar of the month. Each day shows what is charged, marked as coming up, paid or missed. Below it, Coming up lists each charge's next date, grouped into the next 7 days, later this month and the months after, then Paid this week.
- All shows what goes out and comes in each month (Going out / month, Subscriptions / month and Coming in / month), then every charge by type with a monthly total for each type, then Cancelled and Ended.
The search box and the type pills at the top narrow everything on the tab, calendar included. A To confirm pill appears when some charges are waiting for your yes or no.
On a phone, swipe the calendar left or right to change months.
Open a recurring charge
Tap any row to see the charge's details: when it comes next, the next few dates, its recent charges, its category and account, the usual amount, how long we've seen it and how we know it recurs.
From there you can Split the latest charge, Edit charge, set up a reminder with Remind me, or Mark cancelled. Not recurring at the bottom takes it off your list.
When a charge is missed or stops
If an expected charge hasn't shown up, its row says so in amber, for example "Oct 26 charge missed". Often your transactions are just behind: check that your bank is syncing, or upload the latest statement.
After a few missed cycles, the charge moves to Ended on its own. To look for new patterns right away, choose the round Re-scan button at the top of the page.