Recurring spend

Subscriptions & Fees

Detected recurring charges and bank commissions from your transaction history.

Monthly subscriptions €30.19 EUR active run rate

Monthly subscriptions $10.00 USD active run rate

Annualized subscriptions €362.26 EUR annual run rate

Annualized subscriptions $120.00 USD annual run rate

Bank fees €30.00 EUR detected in the analysis window

Fixed Bills & Utilities

Household bills, telecoms, utilities, and recurring shared expenses kept separate from consumer subscriptions

7 tracked

Household bill	Category	Recurrence	Last seen	Gross	Your share	State
Endesa	Utilities & Telecom	monthly	12 Aug 2026	€40.96	€40.96	needs review
Holaluz	Utilities & Telecom	monthly	12 Oct 2026	€51.81	€51.81	needs review
Iberdrola	Utilities & Telecom	monthly	12 Jul 2026	€45.73	€45.73	needs review
Lucera	Utilities & Telecom	monthly	05 Oct 2026	€79.45	€79.45	needs review
Naturgy	Utilities & Telecom	monthly	05 Jul 2026	€72.42	€72.42	needs review
Repsol	Utilities & Telecom	monthly	05 Aug 2026	€55.56	€55.56	needs review
Vodafone	Utilities & Telecom	monthly	20 Oct 2026	€49.90	€49.90	needs review

Consumer subscriptions

Recurring services with a charge inside their expected window

4 active

GitHub

Subscriptions

Active

$10.00 / month

Next expected: 07 Nov 2026
Last charge: 07 Oct 2026
Account: Wise Multi-Currency - USD

Spotify

Subscriptions

Active

€10.99 / month

↑ Previously €9.99

Next expected: 05 Nov 2026
Last charge: 05 Oct 2026
Account: Santander Smart - Personal Checking

Netflix

Subscriptions

Active

€17.99 / month

Next expected: 03 Nov 2026
Last charge: 03 Oct 2026
Account: Santander Smart - Personal Checking

Namecheap

Subscriptions

Active

€14.50 / year

Next expected: 30 May 2027
Last charge: 30 May 2026
Account: Santander Smart - Personal Checking

Dormant / potential ghost

No charge inside the expected window. Review before keeping or cancelling.

1 dormant

Adobe

Subscriptions

Potential ghost

€59.99 / month

Last charge: 12 Aug 2026
Account: Santander Smart - Personal Checking

Recurring transaction history

Detailed detection results for auditing

5 detected

Merchant	Category	Account	Cadence	Last charge	Next expected	Amount	Monthly	Annualized	State
GitHub	Subscriptions	Wise Multi-Currency - USD	monthly · ~31d	07 Oct 2026	07 Nov 2026	$10.00	$10.00	$120.00	active
Spotify price increase	Subscriptions	Santander Smart - Personal Checking	monthly · ~31d	05 Oct 2026	05 Nov 2026	€10.99	€10.99	€131.88	active
Netflix	Subscriptions	Santander Smart - Personal Checking	monthly · ~31d	03 Oct 2026	03 Nov 2026	€17.99	€17.99	€215.88	active
Adobe	Subscriptions	Santander Smart - Personal Checking	monthly · ~31d	12 Aug 2026	12 Sep 2026	€59.99	€59.99	€719.88	inactive / potential ghost
Namecheap	Subscriptions	Santander Smart - Personal Checking	yearly · ~360d	30 May 2026	30 May 2027	€14.50	€1.21	€14.50	active

Detected bank fees

Commissions, maintenance charges, overdrafts, and claims

2 charges

Date	Account	Description	Type	Amount
01 Sep 2026	Santander Smart - Personal Checking	Comisión mantenimiento de cuenta	Maintenance fee	-€15.00
01 Jun 2026	Santander Smart - Personal Checking	Comisión mantenimiento de cuenta	Maintenance fee	-€15.00