Instalments are paid one at a time, and one at a time they look small. Nobody sees the total, because almost every spending app tracks subscriptions only. SubTracker also tracks instalment plans and financing, and turns them into a single number.
Every open plan, added up. Below that, each plan with the payments already made, the ones still due and the date of the next one. The bar shows how far along you are.
This is what makes an instalment different from a subscription: a subscription never ends until you cancel it, an instalment does. Knowing when that money becomes available again changes the decisions you make today.
By hand, in two taps. Name, amount per payment, how many there are in total and how many you have already paid. From there the app works out the schedule, the balance and the end date. If a payment amount changes, which happens with early partial repayments and recalculated interest, you correct it from that point on: the payments already made stay as they were and the total rebuilds itself.
Or from the receipts you already get. Every instalment plan sends a confirmation by email. Connect a mailbox, tap Sync and SubTracker downloads only emails from shops, services and payments, has them read by an artificial intelligence that does not use them for training, and recognises the plans: how many payments, how much each, and the schedule where there is one. The rest of your mail is not downloaded, nothing is resold, and access can be revoked at any time.
These arrive already filled in from the confirmation emails, with nothing to type.
Amazon monthly paymentsCAny other plan, from a shop financing agreement to a gym paid in three parts, can be added by hand and behaves in exactly the same way.
Instalments do not sit in a separate section. They go into the monthly calendar, the spending figure and the projections, next to Netflix and the gym. It is the only way the numbers add up: a 40 euro instalment weighs as much as two subscriptions, and leaving it out means looking at a figure that is simply wrong.
The analysis also shows how much frees up when a plan ends, and when.
No open banking. Your bank account is never connected: no card, no banking credentials. That is a decision, not a missing feature. Knowing what you owe does not require anyone to look inside your account.
Account data is stored on servers in Europe. The account can be deleted in one tap, and everything it holds goes with it.
Free, with no limit on how many subscriptions or instalment plans you track, and one mailbox connected. The Pro plan adds unlimited mailboxes, saving suggestions, projections, data export and the full SubTracker on your computer.
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