Insights, recurring payments and subscriptions

Insights lists what Countorra has noticed in your records. They're checked every day. Ask Countorra can also flag possibly unusual transactions from the last 30 days, such as unusually large amounts, new merchants or possible duplicates.

Recurring lists payments and income that repeat on a schedule — subscriptions, rent, utilities, pay, interest — which Countorra finds in your history on its own: the same merchant, a similar amount, at a regular interval (every week, every two weeks, twice a month, monthly, every three months or yearly). There's nothing to set up or confirm. Each one shows how often it comes, when it's next expected and how much, and goes straight onto the calendar: Upcoming, the balance forecast and bill reminders. Paychecks are listed as income. A bill whose amount moves, like electricity, shows its typical amount. Transfers between your own accounts, card payments and refunds are never counted.

If one is wrong, Edit it (the amount, how often, the next date, or whether it's a bill or a subscription), mark it Not recurring (you can show it again), or mark a subscription you've cancelled. Your change always wins over what Countorra found. You can also add one by hand.

Mark as paid records a bill's payment now, in one tap. When your bank's own payment arrives — even a few days or dollars off — it takes its place, so it's never counted twice; until then it says it's waiting for the bank. Undo puts the bill back. Split payment splits every payment of a paycheck or a mortgage into parts by percent, from now on.

Recurring › Subscriptions narrows the list to subscriptions: what they cost a month and a year, which went up in price, and what the ones you cancelled save you a year.

Detection needs history: a monthly subscription usually appears after its second or third charge, a yearly one once two renewals are in your history. When a subscription's price goes up, the new price is the one expected next and the rise is flagged.