The subscriptions that forget about you
The account nobody cancels, the gym you have not used since March, the family plan for six people that only one pays for. Navefi looks for repeated charge patterns in your spending and proposes them as subscriptions, so they sit in one list.
Monthly total
Yearly total
- NetflixMonthly · Subscriptions€13.49Next in 29 days
- iCloudMonthly · Subscriptions€2.99Next in 26 days
- SpotifyMonthly · Subscriptions€6.99Next in 18 days
Detection from your own statement
Navefi looks across 24 months of spending and groups it by merchant. It needs at least three charges, with gaps that land on a known cadence — weekly, monthly, quarterly or yearly — in at least 70% of cases, and amounts within 10% of the median. What passes is proposed, with a confidence level. Nothing is created until you accept it.
Per month and per year, side by side
Nine euros a month looks small; a hundred and eight a year looks like something else. Each cadence is converted to a monthly equivalent — a weekly charge counts 52 times a year divided by twelve — and the yearly total is that number times twelve.
What you pay, not what the plan costs
If a six-person plan costs €17.99 and you are one of the six, the number shown everywhere in the app is your share. The rest counts as expected reimbursement.
Outstanding
Overdue
Outstanding€33.75
- MMiguelDue in 4 days · Netflix, half€6.75
- SSofiaDue in 9 days · Concert tickets€27.00
Settled€32.50
- RRitaSettledNo due date · Dinner repayment€32.50
A warning three days before renewal
A daily check at eight in the morning warns about renewals in the next three days — the last moment at which cancelling still saves the next cycle. The warning appears in the app notification centre, once per cycle. It ships on and can be switched off.
Trial end in view
Enter the date the free trial ends and it is flagged on the subscription, so the charge is not what tells you.
The renewal posted for you, if you ask
Each subscription can post its expense on the billing date, with a badge saying it was automatic. It ships off.
- SpotifySubscription renewalSubscriptionsin 18 days€6.99
- iCloudSubscription renewalSubscriptionsin 26 days€2.99
- NetflixSubscription renewalSubscriptionsin 29 days€13.49
People sharing a subscription in Portugal usually settle by MB Way. Navefi looks at money arriving around the charge — from five days before to fifteen days after — and proposes the credits that land within 12% of each person’s expected share, so you do not have to hunt for them in the statement.
Frequently asked questions
Does Navefi cancel subscriptions for me?
No. There is no connection to any provider. Navefi shows what exists, what it costs and when it renews; deleting a subscription here stops tracking it, but cancels nothing with the provider.
Does Navefi warn me when a price goes up?
No. There is no price-increase detection. What exists is the payment history of each subscription, where a change of amount is visible.
Do the warnings arrive by email?
No. They appear in the notification centre inside the app.
How do I know I no longer use a subscription?
Navefi flags a subscription with no recorded payment for more than two cycles, along with what that is worth per year, and also flags two active subscriptions in the same category. Those observations appear on the habits page, not in the subscriptions list.
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