🔄 Subscriptions

Subscriptions shows recurring payments detected from your transactions — Netflix, Spotify, gym memberships, insurance, and more. See what you’re paying, when it renews, and get alerted when prices rise.

What you’ll see

• Suggested — Recurring payments Ledgend has detected. Confirm to track them, or Ignore if they’re not subscriptions.
• Confirmed — Subscriptions you’ve confirmed. These become scheduled transactions for Cash Flow forecasting.
• Ignored — Detections you’ve dismissed. Collapsed by default.
• Monthly total — Sum of confirmed subscription costs (normalised to monthly).
• Private accounts — Subscriptions from accounts linked to a specific household member appear under that member’s name.

How detection works

Ledgend scans your last 90 days of transactions and groups outgoing payments by payee. A subscription is detected when:

• At least 2 charges from the same payee
• Regular timing — gaps match weekly (7 days), fortnightly (14), monthly (30), quarterly (91), or annually (365)
• Consistent amount — charges vary by less than 10%

Confidence is shown as HIGH (3+ occurrences) or MEDIUM (2 occurrences). Detection runs weekly (Monday 03:00) and after each bank sync.

Actions

• Confirm — Marks the subscription as confirmed and creates a scheduled transaction. It will appear in Cash Flow forecasts and can be categorised.
• Ignore — Dismisses the detection. Use for one-off payments, refunds, or things that aren’t subscriptions.

Price rise alerts

When a confirmed subscription increases in price by more than 5%, Ledgend can alert you. Enable “Subscription price rise” in Settings → Alerts to get notified.

Tips

• Review suggested subscriptions regularly — confirm real ones, ignore false positives
• Confirmed subscriptions feed into Cash Flow, so your forecasts stay accurate
• Private-account subscriptions are grouped by member for shared households
• More synced transactions improve detection — connect all accounts you use for subscriptions