How to Track All Your Subscriptions in One Place

The average Indian household in 2026 has 11 active recurring charges — Netflix, Spotify, ChatGPT Plus, Google One, iCloud, a fitness app, an EMI, a UPI AutoPay for the gas bill, and three you forgot about. The fastest way to stop the drain is to see all of them in a single view.

Step 1 — collect the raw signal. Recurring charges leave three trails: bank/card SMS, merchant renewal emails, and app-store receipts (Google Play, App Store). You need read-only access to at least two of the three to catch everything.

Step 2 — normalise merchant names. Your bank shows 'BILLDESK*NETFLIX' or 'RAZORPAY*SPOTIFY'; a good tracker collapses those into 'Netflix' and 'Spotify' so you actually recognise what you're paying for.

Step 3 — build a forward-looking calendar. A retrospective pie chart is useless for cancellation. What you need is 'these 6 charges will hit in the next 14 days' — that's what gives you time to act.

Step 4 — set alerts 3–7 days before each renewal. This is the single highest-leverage step. Every hour you get back before a renewal is an hour to cancel, downgrade, or share a plan.

Saveiy does all four steps automatically. Read-only access to your billing signals, one calendar for cards + UPI mandates + app-store, and pre-renewal alerts by default. No net-banking password, no UPI PIN.