Recurring Payments

Track all your recurring payments automatically in Google Sheets.

Subscriptions, rent, mortgage payments, loan instalments, utility bills — Finsemble detects every recurring payment from your transaction history and organises them in a Google Sheet. No manual list. No missed payments.

Manual tracking
  • Build and maintain a list manually
  • Miss irregular or annual payments
  • No connection to actual transactions
Finsemble
  • Auto-detected from transaction history
  • Annual, quarterly, and monthly all found
  • Linked directly to real transaction data

Your spreadsheet lives in your Google Drive, where you control it.

Free during beta. No credit card required.

Your recurring payments are scattered across accounts, cards, and banks.

Every recurring payment found. One tab. Always current.

Finsemble connects to all your accounts and automatically detects every recurring payment — subscriptions, bills, loan instalments, rent. Sorted by annual cost with monthly and annual totals calculated.

Finsemble Recurring Payments tab showing all recurring bills and subscriptions auto-detected Finsemble Budget tab showing recurring payments feeding into monthly budget Finsemble Dashboard showing total recurring payment commitments

Finsemble detects annual, quarterly, and monthly recurring patterns. Most users find at least one recurring charge they had forgotten about on first sync.

How Finsemble works

01
Connect all accounts where payments originate

Link your bank accounts and credit cards via Plaid. Recurring payments across all accounts and cards are detected together.

02
Your Recurring Payments tab is built automatically

Finsemble analyses your transaction history and detects every recurring payment — subscriptions, bills, loan payments, insurance premiums, annual renewals. All found and organised.

03
Monthly and annual totals calculated automatically

See your total fixed payment commitments per month and per year. Sort by cost to identify your largest recurring obligations at a glance.

Everything in your sheet, out of the box.

💳Transactions
🏷️Categories
💼Holdings
🏦Loans
💰Savings
📉Balance History
🔔Alerts
📋Net Worth

Your data stays yours.

🔒
Read-only access

Finsemble can never move money or modify your accounts. Read-only transaction data only.

🏦
Powered by Plaid

The same bank connection layer used by Venmo, Coinbase, and 8,000+ financial apps.

📂
Your Drive, your data

Your sheet lives in your Google Drive permanently. Cancel anytime and every row stays yours forever.

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No credentials stored

Your bank login credentials are never stored by Finsemble. Plaid handles authentication only.

Most people do not know their total monthly recurring payment commitment.

That number — what you are committed to spending every month before any discretionary spending — is one of the most important financial numbers you have. Connect your accounts and see it clearly.

11-day full Pro trial No credit card required Your sheet stays in your Drive forever

Frequently asked questions

What types of recurring payments does Finsemble detect?
Finsemble detects any transaction that appears on a regular basis — subscriptions, rent, mortgage payments, loan instalments, insurance premiums, utility bills, gym memberships, and annual renewals.
Does it work across multiple banks and credit cards?
Yes. Connect all your accounts and Finsemble detects recurring payments across all of them. A subscription on one card and a loan payment at a different bank both appear in the same Recurring Payments tab.
Can I see which recurring payments increased in price?
Yes. Finsemble flags amount changes when a recurring payment increases or decreases. You see which services raised prices since your last sync.
How is the Recurring Payments tab different from just filtering my transactions?
The Recurring Payments tab groups recurring charges by merchant, calculates monthly and annual totals, and sorts by cost. It is a structured analysis, not just a filtered list.
What does Finsemble cost?
Plans start at $4/month. All paid plans include an 11-day full Pro trial — no credit card required to start.

See every recurring payment. Know your total monthly commitment.

Connect your accounts and Finsemble builds your Recurring Payments tab automatically — every subscription, bill, and loan payment found and totalled.

Free during beta. No credit card required. See pricing →