Insights. Where your money goes, free for everyone.
Subby’s subscription spending insights come in four sections: Overview, Trends, Services and Signals. All four are in the free app. Subby builds every number from the subscriptions you track and the payments you log, never from your bank.
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Overview
What you are committed to and where it goes
Overview opens on one number, what your subscriptions commit you to each month, with the same amount as a year and as a day underneath. The line below it says what that number is made of: how many subscriptions, how many annual plans spread over twelve months, and how many currencies converted at today’s rate.
This month split three ways
A ring splits the month into what you have paid, what fell due but is not logged yet, and what is left to pay. A button logs the missing payments in one go. Once you set a payday, the ring follows your pay period instead of the calendar month.
Where it goes each month
The monthly total by category or by payment method. Tap one and Subby shows the subscriptions in it. A switch in the sheet that explains the numbers adds a percentage beside every amount.
Export payments as CSV
Subby writes every payment you have logged to one CSV file, one row per payment at the price you paid. The numbers are plain and the dates are ISO, so Google Sheets or Excel reads them right whatever language your phone is in.
Budget by payday
Pay arrives on one day of the month. Subscriptions renew on whatever day you first signed up. In Settings, set the month to start on the day you get paid and add a monthly budget. Overview then gains a card for the days in between, with what renews before the money arrives and what is left of your budget after it.
When those renewals run past the budget, the card says by how much and names the one cancellation that would clear it. If no single cancellation is enough, it says so and names the largest renewal before payday. Home counts the same pay period, so the two screens agree.
Trends
What changed and what comes next
Trends reads your payment log at the prices you paid. It starts once you have two months of payments, and from then on the history grows with every payment you mark paid.
Twelve months of real spending
A bar for each of the last twelve months, built from the payments you logged. Pick a month to see which subscriptions made it up.
A price increase tracker per service
Subby compares what each service charges now with what it charged a year ago, or with its first logged payment if that is more recent. Then it adds the differences up as a monthly and a yearly figure. The Price creep card lists the services that moved, each with its old and new price, and one button takes you to them. It needs no bank feed, because every payment you log keeps the price it was charged at.
A subscription cost forecast
What is coming shows the next 13 weeks or the next 12 months as bars, read off your schedule. Subby names each annual renewal on the bar it lands in. When one week or month stands well above the rest, Subby says what makes it tall and suggests moving a renewal to spread the cost.
Next 12 months against the last 12
The year your schedule plans, set against the year you paid, with what drove the change: subscriptions added this year, subscriptions that now cost more, cancellations and pauses.
Renewals, day by day
A renewal calendar for the whole year
The renewal heatmap at the end of Trends is a subscription calendar with one square per day. The bigger and darker the square, the more that day costs. Pick a day and Subby shows what renews on it.
Look ahead or back by year or quarter
Coming covers today and the twelve months after it, from your schedule. Past covers the last twelve months, from your payment log. Either one reads a year or a quarter at a time.
Across both panels of iPhone Duo
Open iPhone Duo wide and Insights spreads its charts over the whole display. The renewal calendar runs across both panels, and the crease reads as the gutter between two months. Close it and the outer panel shows a compact Home.
Services
What each subscription has cost you and what cancelling saved
Lifetime cost by service
Every service you have paid for, ranked by what it has cost you so far, with the number of payments, how many months you have had it and what it costs now. Cancelled and paused services stay on the list, since their payments are part of what you spent. Open one for its price history and every payment behind it.
Wins
Wins adds up the money saved cancelling subscriptions. A cancelled service saves its last monthly price for every month that passes after you cancel, so the total climbs in steps. Paused subscriptions show what they save each month while they stay paused. A free trial you cancel before it converts never cost you anything, so it does not count as a win.
Signals
Signals, sorted by what you can get back
Signals is the short list of things worth a look. Each one says what Subby found, how much money is involved and what you could recover, with one button that acts on it. The largest recoverable amount comes first, and when nothing needs attention, Signals says so in one line.
A price rise to review
A charge came in above the price you recorded, or your own payments stepped up recently. Subby offers to update the recorded price, or opens the subscription so you can look for a cheaper plan. What you could get back is a year of the difference.
Missed months
Your schedule says these charges went out, and you have not logged them. The signal adds them up and logs them all with one tap.
A double charge
The same subscription charged more than once within a few days. Subby shows the charges together, and the amount above the cheapest one is what you could get back.
Too much on one card
When one card carries most of your monthly total, a single expired card would stop all of those subscriptions at once. The signal lists them, so you can move some of them to another card.
Stale or unconvertible rates
Some amounts could not be converted to your currency, or the exchange rates behind them are out of date. One tap refreshes the rates.
The arithmetic
How the numbers are built
Every figure in Insights follows the same rules. Tap the Committed chip at the top of Insights and Subby lists them with your own rates and dates.
- Every price becomes a monthly figure first. A weekly plan counts a little over four times a month, and a yearly plan counts one twelfth.
- A month is always 30.4167 days. February is short, and your subscriptions do not get cheaper for it, so the monthly figure does not dip.
- Past months come from your payment log, at the price you paid. Coming months come from your schedule.
- Insights converts other currencies at dated rates and shows the date. An amount it cannot convert goes on a list of what is left out of the totals, instead of counting as zero.
- A free trial stays out of the monthly total until it converts. The forecast and the calendar already show its first charge, at the price it becomes.
- Paused and cancelled subscriptions leave the monthly total and the forecast. Their past payments stay in the history, in what each service cost you and in Wins.
Readable without the charts
Every chart has a View as list button that shows the same figures as rows, and a summary that a screen reader reads out. The cards reflow for large text sizes. Charts are never mirrored in Arabic or Hebrew, so time runs left to right on every chart.
Questions about Insights
Do I need PRO for Insights?
No. All four sections of Insights are in the free app, which shows ads. PRO is one payment that removes the ads and adds the widgets, cloud backup, screenshot import and icon requests.
Where do the numbers come from if Subby never sees my bank?
From what you put in. The subscriptions you add give Insights the schedule, and every payment you mark paid, in the app or straight from a reminder, goes into the payment log that the history, price creep and Wins are built from. A charge you never log is one Insights cannot know about, so Signals lists those as missed months.
How soon does Insights have something to show?
Overview and Signals work from your schedule, so they fill in as soon as you add subscriptions, and Services shows what you have paid so far. Trends, the renewal calendar included, starts once you have two months of logged payments. Price creep needs two payments of a service to compare.
Insights comes with the free download.
Free · No account · No bank login