Track
Every subscription, seen and accounted for
Free trials that turned into charges, prices that crept up, the service you forgot in 2024: recurring spending hides in plain sight. Stoia finds it, lists it, and warns you before renewals.
One list of everything that repeats
The average household pays for far more subscriptions than it can name. Stoia's recurring view turns that fog into a list with amounts and dates, which is usually all it takes to find money.
- Automatic detection from your transaction history
- Monthly, annual, and odd cadences all recognized
- Next renewal date on every row
Netflix
Monthly · renews Aug 12
$15.49
Spotify
Monthly · renews Aug 3
$11.99
Car insurance
Every 6 months · renews Oct 1
$684.00
iCloud+price up
Price went up $1 in June
$2.99
Whole Foods
Groceries
−$84.12
Today
Netflix
Subscriptions
−$15.49
Jul 28
Paycheck
Income
+$3,250.00
Jul 25
Shell
Transport
−$42.80
Jul 24
Price creep, caught in the act
Subscription businesses count on you not noticing a dollar here, two dollars there. Stoia notices. When a price rises, the change is flagged where you'll see it, with the history to prove it.
- Flags when a recurring charge exceeds its history
- Renewal heads-up before big annual charges
- Everything feeds your budget, so nothing is double-counted
Frequently asked questions
How does Stoia find my subscriptions?
By watching your transaction history for repeating patterns: same merchant, similar amount, regular cadence. Monthly streaming, annual software, semi-annual insurance, they all surface in one recurring list without any manual tagging.
Will Stoia tell me before something renews?
Yes. Each recurring charge shows its next expected date, and you can get a heads-up before big renewals hit, which is exactly when free trials like to become paid ones.
What about price increases?
When a recurring charge comes in higher than its history, Stoia flags it. The $9.99 that became $12.99 stops sneaking through unnoticed.
Can Stoia cancel subscriptions for me?
No, and that's deliberate. Cancellation services ask for sweeping account access and often just send a letter you could send yourself. Stoia shows you what to cancel and where the money goes; you stay in control of your accounts.
How much am I probably wasting?
Surveys consistently find people underestimate their subscription spending by well over $100 a month. Run your own numbers in our free subscription cost calculator, then see what that money would become if invested instead.
Stop paying for 2024's decisions
Every recurring charge surfaced, dated, and flagged when it changes. Launching in 2026.