Subsaver automatically detects all your recurring charges, tracks renewal dates, and alerts you before money leaves your account โ powered by secure, read-only bank connection technology.
* Based on publicly available consumer research. Subsaver is currently in development.
Link your bank account once and Subsaver does the rest โ with your full knowledge and control at every step.
Link your accounts through Plaid's encrypted, read-only connection. You authenticate directly with your bank โ Subsaver never sees your username, password, or login credentials.
Subsaver analyzes your transaction history using Plaid's recurring transactions API to identify subscription charges โ streaming, SaaS tools, gyms, and annual fees โ across all linked accounts.
Get renewal reminders, spot price increases, flag services you no longer use, and cancel subscriptions directly. You stay in control at every step.
Subsaver uses Plaid's /transactions/recurring/get endpoint to surface every subscription automatically โ including annual charges you may have forgotten.
Get push notifications 3, 7, or 14 days before each renewal โ customizable per subscription โ so you're never surprised by a charge.
Monthly and annual breakdowns by category, spend trends over time, and a clear picture of where your recurring costs are growing.
Instantly notified when a subscription increases its charge amount โ so you can decide whether it's still worth it before the money leaves your account.
Link checking accounts, savings accounts, and all your credit cards in one place. Subsaver consolidates subscriptions spread across multiple cards so nothing slips through the cracks.
We use Plaid's OAuth flow to access only what is needed to detect recurring charges. Our access is strictly read-only โ we cannot and will never initiate payments, transfers, or any financial transaction on your behalf.
UI mockup โ illustrative only
Subsaver believes in full transparency. Here is a clear breakdown of every type of financial data we access through Plaid, and how it is used.
| Data Type | Accessed? | Purpose | Stored? |
|---|---|---|---|
| Transaction history Merchant name, amount, date |
โ Yes | Identify and track recurring subscription charges โ core product function | Subscription metadata only (not full history) |
| Account name & type e.g. "Chase Checking" |
โ Yes | Display which account a subscription charge belongs to | Yes, for display purposes |
| Account balance | โ Yes | Show upcoming spend context relative to available balance | Not stored โ fetched on demand only |
| Bank login credentials Username and password |
โ Never | Plaid handles authentication directly โ credentials never reach Subsaver's servers | Never |
| Full account numbers | โ Never | Not required for subscription detection | Never |
| Investment or brokerage data | โ Never | Not relevant to subscription management | Never |
| Personal identity data SSN, address, date of birth |
โ Never | Not required for our service | Never |
| Data sold to third parties | โ Never | Your financial data is yours. We do not sell, share, or monetize it. | โ |
Full details in our Privacy Policy. You can revoke bank access anytime from within the app or at my.plaid.com.
Subsaver was built with privacy as a first principle. We use Plaid so that your bank login credentials never touch our servers โ ever.
All data in transit and at rest is encrypted to industry-standard specifications.
Subsaver can only read transactions. We have zero ability to initiate any payment or transfer on your behalf.
Revoke bank access and permanently delete all your data from our servers at any time from within the app.
Your financial data is never sold, rented, or shared with advertisers or data brokers under any circumstances.
Subsaver uses Plaid โ the same technology powering Venmo, Robinhood, and thousands of trusted financial apps โ to securely connect your accounts through a direct, encrypted channel.
Start free with one bank account. Upgrade for unlimited connections and deeper insights. Pricing subject to change at launch.
Connect one bank account and track your most important subscriptions.
Unlimited bank connections and full analytics for complete coverage.
Manage subscriptions for the whole household in one shared view.
Planned pricing โ subject to change before launch. Early waitlist members may receive discounted rates.
Subsaver uses Plaid to connect to your bank. You authenticate directly with your bank through Plaid's secure interface โ Subsaver never sees your username or password. We receive only read-only, token-based access to your transaction history, limited to what is needed to detect recurring charges.
No. Subsaver uses read-only access exclusively. We can only view transaction history to detect subscriptions โ we have no technical ability to initiate payments, transfers, or any financial transactions on your behalf.
We store only the minimal metadata needed to identify recurring charges: merchant name, amount, date, and the account it was charged to. We do not store your full transaction history, account numbers, or any sensitive personal financial data beyond what is necessary. You can request permanent deletion of all your data at any time. See our Privacy Policy for full details.
Yes, at any time. Revoke access from within the Subsaver app under Settings, or manage all Plaid-connected apps directly at my.plaid.com. Disconnecting stops all data access immediately.
Through Plaid, Subsaver will support over 12,000 US financial institutions, including Chase, Bank of America, Wells Fargo, Citi, Capital One, American Express, and virtually all major banks and credit unions.
No. We do not sell, rent, or share your financial data with advertisers, data brokers, or any third parties for commercial purposes. Your data is used solely to provide you with the Subsaver service. See our Privacy Policy for details.
We are currently in development. Join the waitlist below to be notified when Subsaver launches on iOS and Android, and to receive early-access pricing.
Join the waitlist for early access, launch pricing, and updates on our progress.