Subscriptions and fixed expenses
Everything that repeats every month
The subscriptions Not Pato finds on its own, and the fixed expenses you declare yourself. They live together because they answer the same question: how much of your money is already committed before you start spending.
Your subscriptions
This month
$23.890
Spotify
Monthly · day 3
$5.490
Netflix
Monthly · day 8
$10.500
YouTube Premium
Monthly · day 15
$7.900
$286.680 a year
Automatic detection
They show up on their own, unlogged
Not Pato groups your transactions by merchant, measures how often they repeat and how steady the amount is. Out of that it builds the list of what you are paying every month, even the ones you already forgot about.
- One tap adds it to your fixed expenses
- What you dismiss never asks again
- It recognizes monthly, weekly and yearly charges
We found charges that repeat in your bank.
You spend on subscriptions each month
~$71.751
2 of 2
Claude.ai
Subscription · Monthly
$19.990
Next payment Oct 20
Paid this monthWarning before the charge
You find out before, not after
The warning arrives days before you are charged, which is the only moment you can still do something: cancel, switch plans or simply have the money ready. When the charge lands, it marks itself paid.
- Days ahead, not on the day of the charge
- If the price goes up, the warning is how you find out
- The charge is reconciled with the bank transaction
Before the charge
Spotify charges in 3 days · $5.490
When the charge lands, it marks itself paid
Fixed expenses
Rent and the bills too
Not everything recurring runs through a card. The rent you transfer, the electricity bill, the school fee: you declare those once and Not Pato keeps track each month of which ones you paid and which ones you did not.
- You see how much money is really free this month
- The amount adjusts when the bill arrives different
- You mark it paid from the app or over WhatsApp
- When the bank transaction lands, it marks itself
Fixed expenses
April
Rent
Paid on the 5th
$520.000
Electricity bill
Due in 4 days
$38.400
Gym
Paid on the 2nd
$29.900
Still to pay
$38.400
When the amount changes
It tells you how much it went up from last month
The electricity bill never arrives the same twice, and that is the problem: without a point of comparison, a month that came in at double looks like a normal one. Not Pato shows you the difference against the previous charge, the average of recent months and the range it usually moves in.
- The change in pesos against the previous charge
- The average of recent months and the range it moves in
- Which day of the month it usually arrives
Home
Electricity
Monthly · day 31
$95.923
5-month avg
$46.265
Range
$31k-$96k
Next charge
day 31
What makes the difference
Detects without waiting three months
It recognizes known merchants even when the bank descriptor changes every month, which is what normally breaks detection.
No ghosts on the list
If you stopped paying something months ago, it stops suggesting it. A list full of dead subscriptions is no use to anyone.
Splits what arrives bundled
Charges that come in under one name, like Apple's, are split by amount so you can see which product each one is.
Frequently asked questions
See how much is already committed
Connect your bank and go through the full list. Most people find at least one surprise.