Subscription Watchdog scans every recurring charge across your connected accounts every week. It flags price increases, surfaces likely-cancelled subscriptions (so you can stop paying for things you no longer use), and warns when a free trial converts to paid.
Netflix increased from $15.49 to $24.99/mo. Annual impact: about $114 more than last year. Worth reviewing whether the Premium tier still fits your usage.
The average household has 12+ recurring subscriptions and adds 2-3 per year. Price hikes are silent. Trial conversions are quiet. Cancelled subscriptions sometimes keep charging for months because the merchant uses a different descriptor. Manually auditing all of this every month is a chore nobody actually does - which is exactly why subscription drift is the most expensive habit in personal finance.
For every detected recurring charge, the agent compares the two most recent transactions. If the latest is more than 5% higher than the prior, it flags a price increase with the exact dollar delta. Separately, it tracks days-since-last-seen against the expected cadence: if a monthly subscription hasn't charged in 45+ days (1.5× cadence) it surfaces as likely-cancelled with confirm/snooze inline buttons. After 90+ days (3× cadence) without a charge the entry auto-deactivates silently - at that point the subscription is overwhelmingly likely gone and the user has had multiple weeks of prior nudges.
Two months ago Netflix posted at $15.49. This month it posted at $24.99. The agent computes the delta (+$9.50/mo, +$114/year), generates an educational nudge with the specific numbers, and surfaces it in the next morning's digest. No action is forced - you decide whether the new price is still worth it.
Free on the Spark tier - no credit card required. Connect your bank read-only via Plaid; the agent starts watching from the first sync.
Try FinNudge free →No credit card · 5 minutes to connectA separate detection pipeline runs after every Plaid sync, grouping transactions by merchant and finding repeated patterns with consistent gaps. Confidence scores reflect how regular the pattern is - a perfectly monthly charge gets close to 1.0; an irregular pattern stays below 0.6 and prompts you to verify before the watchdog starts tracking it.
When the likely-cancelled nudge appears, you have two inline buttons: "Yes, cancelled" deactivates the entry (history is preserved), and "Still active" snoozes the warning for 30 days. Useful for annual subscriptions that bill once a year.
Yes - manual transactions get the same detection pipeline. The agent runs on whatever data is in your transactions table, regardless of source.