The subscription moves to “confirmed by you”.
Pay only for what you use.
$756 a year was sleeping in your direct debits.
See all your subscriptions at once. What they cost per month and per year, the price rises — and the ones you no longer use.
Reminder three days before every charge
Never an invented “you don’t use this”
Inventory
Eleven recurring charges, gathered on a single screen.
$95.96 a month. $1,151 a year. The total is a sum of your charges — not an average, not an estimate of what “people” spend.
Two dormant, nine active — and the difference is your answer, not a calculation.
Yoseri flags a subscription as dormant when nothing but the charge appears at that merchant. The gym: $49.99 on the 1st, no entry for 3 months.
Every line carries its charge day, not just its amount
The amount shown is the last one charged, never the advertised price
The total feeds the Subscriptions envelope in your budget
“Do you use it?”
Ten seconds to answer. $756 of clarity.
Eleven questions, one per subscription. An answer cannot be guessed: it is the only piece of data on this page that Yoseri cannot get any other way.
Three questions, asked with what Yoseri knows — and what it does not.
Downtown Gym, $49.99 a month: charged without interruption, no other transaction at that merchant over the period. Yoseri adds the caveat itself: a monthly subscription does not normally generate any, so this signal proves nothing.
Two buttons: “I use it”, “I no longer use it”
No third button that would answer for you
Every question carries the facts that justify it, in one sentence
Finding · not advice
$62.98 a month have produced no other sign of activity for eleven months. Yoseri cannot know whether you use them — tell it, and that amount will enter your savings leads, or not.
Confidence Very high11 subscriptions tracked · 5 waiting
Price rises
Three quiet rises. $120 a year more.
A price that changes is a different amount, on the same day of the month, at the same merchant. Yoseri sees it on the very next charge — not three months later.
Real cost
The gym costs you $26.55 a visit.
$1,115 paid over 24 months — 17 charges at $44.99, then 7 at $49.99 — for 42 visits you logged yourself. Yoseri does not say that is too expensive — it says how much, and leaves the call to you.
The original price never disappears from the record
The account charged is named: you can check line by line
The 42 visits are the only figure that does not come from the statement
What it frees up
$756 a year, or 3.8 months of your down payment.
Two answers to give, two subscriptions to settle: +$600 for the gym, +$156 for the storage. That is close to half of the $1,556 a year Yoseri spotted — calculated on your transactions, not estimated.
Straight questions
Five questions we get asked about this page.
The answers are short because the rules are.
How does Yoseri know a subscription is dormant?+
It does not. It observes that no other transaction appears at the merchant — three months for the gym — and it adds itself that this signal proves nothing, because a monthly subscription does not normally generate any.
Can Yoseri cancel a subscription for me?+
No. No screen in the app writes to a merchant and none moves a dollar: access to your accounts is read-only.
Why do my $756 not show up in my savings?+
Because you have not answered. With no answer, a subscription is counted neither as useful nor as wasted.
And if I answer “I use it” and then that changes?+
The question comes back every six months, and immediately after a price rise. The gym went from $44.99 to $49.99 in January: that is exactly when it is asked again.
How many notifications does that add up to?+
One a day at most, whatever the number of active alerts — six for you, four triggered this month. Nothing between 9 p.m. and 8 a.m. Email is only used for the weekly summary.
See what goes out every month.
The cost per month and per year, the price rises, and what you no longer use.
The demo runs on test data. No banking credentials are asked for.
Yoseri News
Further reading on this.
Yoseri’s publication unpacks these mechanisms with the maths shown, using worked figures you can redo by hand.
The Short
Nobody can prove you are not using your subscription
A bank statement holds debits, not uses. That is the limit most savings apps would rather not name.
· 2 min The ShortThe 2.5% foreign exchange fee is written nowhere
They do not appear as a separate line. They are folded into the rate shown, transaction by transaction — which makes them impossible to see and easy to pay.
· 2 min The ShortYour statement says $200, the card charges on $933
Card interest is not charged on the balance printed on the statement. It is charged on the average daily balance — and the gap is a multiple, not a rounding.
· 2 min The ShortThe annual plan is cheaper from month 10, not from month one
$129 a year against $12.99 a month: two months free, says the page. They are only free if you stay. Cancelled at month 7, the annual plan cost you $38 too much.
· 2 min The ShortEleven subscriptions rising 8% a year: $299 more in three years
Each increase is a dollar or two. None gets noticed — that is how you recognise them. Their sum over three years gets noticed very well.
· 2 min The ShortYour account fees come to exactly one dollar a day
$365.40 over twelve months, in four lines, three of which you have never read. None exceeds $17, and that is exactly why none gets noticed.
· 2 min