Money leaks finds the money you're losing without noticing: subscriptions you forgot about, prices that crept up, free trials about to turn into charges, and services that keep billing after you cancelled them. Every finding comes with a next step.

It works from the transactions you've already imported. There's no bank login, and nothing reads your email.

Where to find it

Desktop: Tools → Money leaks.
Phone: More → Money leaks, under Budgeting.
Bills page: when recurring charges turn up that aren't bills yet, a card at the top says so, for example "3 recurring charges aren't bills yet", with a Review link.

How it finds recurring charges

BudgetLabs looks at the last 13 months of transactions in your budget and groups charges by merchant. A charge counts as recurring when it repeats on a steady schedule: weekly, every two weeks, monthly, quarterly or yearly. Because it looks back 13 months, it can see yearly renewals too.

A few things are left out on purpose: refunds, transfers between your own accounts, loan and card payments, categories you've excluded from budget totals, and bills that change a lot from month to month (like utilities). When it isn't sure, it leaves a charge out rather than guess.

It's automated, so it can be wrong. If something isn't a subscription, tell it (see below) and it stays out of your total.

What you'll see

At the top: what you pay a year across your subscriptions, how much of that isn't in your budget yet, and a bar that breaks the year down. Each row shows the amount, how often it charges, when it last charged, and a small chart of its recent charges.

Next 30 days: the charges expected in the next month, in date order.
Needs attention: anything charged after you marked it cancelled, a price that went up in the last 90 days (with the old price, the new one and the date it changed), and free trials ending within 7 days.
Not in your budget: recurring charges you haven't planned for. This is what the "isn't in your budget yet" figure adds up.
Already budgeted: charges covered by a bill reminder on the Bills page, and ones you've said you're keeping.
Free trials: trials you're tracking that end later than a week from now (Pro, see below).
Regular spending: things you've marked as a habit, like a weekly coffee. They stay in view but don't count toward your subscription total.
Cancelled: subscriptions you've marked cancelled. If one charges you again, it moves up to Needs attention.
Not subscriptions: anything you've dismissed, folded away at the bottom.

Apple and Google Play charges carry a note: several subscriptions may be bundled into one charge, and a bank statement can't say which apps they are. Check the App Store or Google Play subscription list to see. You can't mark these cancelled, because one app in the bundle still charging would look like a charge after cancelling.

What you can do with a finding

Open a row's ⋯ menu:

Track as bill: for monthly charges. Opens the recurring-bill form already filled in with the name, amount and day, so it shows up on the Bills page. See Bill Reminders.
Remind me before it renews: for yearly charges. Adds it to Annual Events with a reminder a week ahead.
Keep it: you know about it and you're keeping it. It moves to Already budgeted.
Mark cancelled…: asks for the date you cancelled (today by default). If it was linked to a bill reminder, that bill ends too.
It's a habit: moves it to Regular spending.
Not a subscription: hides it. You can undo this, and undo a cancel, from the same menu.

For a list of common services there's a How to cancel link right on the row. These links are checked by hand and open the company's own site.

BudgetLabs never cancels anything for you, never contacts a company, and never moves money. You take the step; Money leaks keeps track of it.

Charged after you cancelled

Once you mark a subscription cancelled, any later charge from the same merchant, on the same schedule and close to the same amount, is flagged in red. We allow a few days after your cancel date for a final charge that was already on its way.

The flag comes with a message you can send, already filled in with the merchant, your cancel date, and the charge date and amount. Tap Copy message. Ask the company for a refund first; if they won't, your card issuer can dispute the charge.

Free leak scan

If you're new and haven't imported much, tap Scan statements. Add up to 3 statements: PDF, CSV or a screenshot.

Free accounts get one scan, once, on top of the daily free Smart Import. CSV files don't use it, and a file we can't read gives its turn back.
You see what we found before anything is saved. Then choose Save these to your budget to import the transactions the usual way, with categories.

Pro: free-trial tracker and email alerts

Pro adds two things that protect you over time: a free-trial tracker that emails you 2 days before a trial turns into a charge, and an email if a subscription you cancelled charges you again.

Add a free trial: drop the trial's confirmation email, a PDF or a screenshot, or fill in the details yourself. The content you drop is read by xAI, the same AI provider we use for bill scanning, to fill in the service, the end date and the price. You check every field before it's saved.
When a charge from that service turns up after the trial ends, the trial asks "Is this your trial?" rather than linking itself, so a wrong guess can't set off a false alarm.
The emails say what happened and link back to Money leaks. They don't name the merchant or the amount, so your financial details stay out of your inbox.
Emails are on by default. Turn them off with Email me about trials and repeat charges on the Money leaks page.

On a shared budget, Pro follows the budget owner's plan (see Family Sharing), and every member gets the emails unless they switch them off.

Asking Hank or your AI assistant

Hank can answer "what subscriptions am I paying for?" from the same findings, and so can Claude or ChatGPT if you've connected your budget. Both can only read them. To mark something cancelled or track it as a bill, use the Money leaks page.