PPocket
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Your money

The money that
leaves on its own

Subscriptions arrive one at a time and are never reviewed together. This is the review.

Found, not entered

You do not tell Pocket what you subscribe to. It reads your transactions, finds charges that repeat, and works out the cadence from the actual dates — monthly, four-weekly, quarterly, annual. A charge that arrives at irregular intervals is not a subscription and is not treated as one.

The amount has to be stable too. A merchant you happen to pay every month for a different amount each time is a habit, not a subscription, and Pocket says so.

01
Decode the descriptor
Your bank sends PADDLE.NET* OPENAI. Pocket knows that is ChatGPT.
02
Establish the cadence
Three or more charges at a regular spacing, with the spread inside a tolerance. Two charges are a coincidence.
03
Annualise it
$20 a month is $240 a year. Quarterly and annual plans are converted to the same footing so they can be compared.
04
Catch the increase
When a stable amount steps up, Pocket names the old price, the new one, and what the difference costs over a year.
05
Spot the overlap
Two services doing the same job appear together with their combined annual cost, so the choice is at least a conscious one.

What Pocket
will not claim

It will not tell you whether you have used something. A bank statement records money leaving; it does not record what you watched, read or generated. An app that claims to know your usage from your statement is guessing and not saying so.

So Pocket asks you once, per service, and remembers the answer. “Barely use it” is a fact you supplied. It is labelled as yours, and it is the only basis on which a cancellation is ever suggested.

ChatGPT$20/mo · $240/yr · renews in 9 days
Claude$20/mo · $240/yr
Netflix$18/mo · up 16.1% from $15
Spotify$12/mo · $144/yr
OverlapTwo AI subscriptions · $480 a year together

Find out what
renews next week