Turn recurring charges into clear insight.
SubscriptionIndex is a privacy-first, open-source AI system designed to help users take control of their recurring financial commitments. It analyzes bank and credit card statements to detect subscription-based charges, even when merchants use inconsistent or unclear billing descriptions. By organizing this information into a structured index, it gives users a clear, unified view of everything they are subscribed to and how much those services actually cost over time.
A core strength of SubscriptionIndex is its AI-driven detection and interpretation layer. The system identifies recurring payment patterns, classifies subscription types, and normalizes merchant data so users can easily understand what each charge represents. Beyond detection, it also helps interpret contract details such as renewal terms, cancellation windows, and billing cycles by allowing users to upload or manually enter subscription agreements. This ensures that users are not only aware of what they are paying for, but also under what conditions those payments continue.
Privacy and security are foundational to the platform. SubscriptionIndex is built on a zero-knowledge architecture with end-to-end encryption, meaning all sensitive financial data is encrypted on the user’s device before it is ever stored or synced. The system is designed so that servers never have access to unencrypted user information. It also supports secure cross-device synchronization, allowing users to access their subscription data across multiple devices without compromising privacy.
In addition to tracking and analysis, SubscriptionIndex actively helps users avoid unwanted financial traps. It provides smart renewal alerts, cancellation guidance, and behavioral protection features that highlight risks such as auto-renew clauses or hidden contract terms. With jurisdiction-aware insights, the system can also adapt its guidance based on local consumer protection rules, giving users more context about their rights and obligations. Together, these features make SubscriptionIndex a comprehensive tool for transparency, awareness, and control over recurring spending.
- SubscriptionIndex — An open-source, privacy-first AI system that detects subscriptions from financial data, explains contract terms, and helps users prevent unexpected renewals with end-to-end encrypted, zero-knowledge design. AGPLv3