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Track subscriptions and installment plans together
Recurring charges are easy to lose track of precisely because each one is small. TheWalletly keeps subscriptions and fixed-term installment plans in the same place, and answers two different questions about them.
When the money actually moves
A charge timeline lays the next ninety days out horizontally, one row per plan, so clusters are obvious — the week three renewals and a loan instalment all land together is visible before it happens rather than after.
Alongside it sits the annualised run rate: what these plans cost over a year at their current cadence. It is the number that makes a small monthly habit legible.
How close a plan is to finished
For fixed-term plans, a timeline is the wrong question. The payoff view instead shows a month-by-month burn-down: the amount still outstanding after each month clears, with the number of installments still to run printed above it, and the month the last one lands.
Per plan, you also get how many of the total installments are paid, what is left in money, and when it finishes — so a three-year loan and a four-month phone plan can be read side by side.
What counts as a plan
Anything with a cadence: monthly subscriptions, quarterly or annual renewals, and installment plans with a fixed number of payments. Open-ended subscriptions have no end date, so they appear in the timeline and the run rate but not in the payoff burn-down — there is nothing to count down to.
Recurring income works the same way in reverse, with scheduled deposits and forecasts kept on their own screen.
Availability
Subscription and installment tracking, recurring income and the monthly summary are Premium features; the core ledger is free to keep using. Pricing has the current split, and the demo lets you look around first without an account.
Questions
- Does it track installment plans as well as subscriptions?
- Yes. Both live on the same screen. Fixed-term installment plans additionally get a payoff view showing how many payments remain and the month the plan finishes.
- What billing cycles are supported?
- Plans with a repeating cadence, including monthly, quarterly and annual, plus installment plans with a fixed number of payments.
- Can I see what my subscriptions cost per year?
- Yes. An annualised run rate shows what the active plans cost over a year at their current cadence.