Find and manage all your subscriptions

Use Dongip’s subscription radar to surface every recurring charge from your bank feed, audit what you’re paying for, and build a monthly review habit.

Subscription creep is one of the most expensive habits almost nobody budgets for deliberately. A single $14 streaming service feels like nothing; seven of them together is a car payment. Dongip’s subscription radar connects to your bank feed, detects recurring charges automatically, and alerts you the moment a new one appears — so you’re never surprised by a charge you forgot you signed up for.

How subscription radar works

When you connect your bank to Dongip via Plaid, every transaction flows in automatically. Dongip scans the incoming transactions and identifies recurring charges by pattern — same merchant, same approximate amount, regular interval. These charges are surfaced in the Subscriptions view inside the app.

You don’t have to tag anything manually. Dongip detects the pattern and groups it. If a free trial converts to a paid plan, or an existing subscription raises its price, the app flags it as a new or changed charge so you can decide what to do.

1. Connect your bank

   Go to Settings → Bank Sync and connect your bank account through Plaid. This is a read-only connection — Dongip can see your transactions but cannot move or modify money.

   Within 24 hours of connecting, Dongip will surface every recurring charge it detects on that account, including ones that have been quietly billing for months.

2. Do a one-time subscription audit

   Open the Subscriptions view and go through the full list Dongip has detected. For each subscription, ask one question: did I actually use this in the last 30 days?

   Sort each one into a category:

   Keep

   Used regularly and worth the cost at the current price.

   Downgrade

   Used, but a cheaper tier, annual plan, or family plan would work just as well.

   Cancel

   Haven’t used it, forgot about it, or signed up for a free trial that converted.

   Cancel immediately while the list is in front of you. Putting cancellations off means paying another full billing cycle — at $7–$15 per subscription, “later” is expensive.

3. Organize surviving subscriptions into a category

   In Dongip, create or rename a category called Subscriptions. Assign every subscription you’re keeping to that category. Now you can see your true monthly recurring total as a single line in your reports, rather than scattered across Entertainment, Fitness, and Productivity.

   Most people find the real number 20–40% higher than their estimate before the audit.

4. Review new-charge alerts

   When a new recurring charge appears in your bank feed — a free trial that converted, a service you signed up for and forgot, or a price increase — Dongip sends you an alert. Open the notification, review the charge, and decide in a few seconds whether to keep tracking it or cancel the subscription.

   Without this alert, new subscriptions drip in silently and become invisible habits within a month or two.

5. Build a monthly five-minute review

   Once a month, open your Subscriptions category and ask three questions:

   1. Did I use each of these at least once this month?
   2. Did anything increase in price?
   3. Is there a better plan or a bundle I should switch to?

   Five minutes. That’s the entire habit. Catching one forgotten subscription per quarter pays back the time many times over.

Set a recurring calendar reminder on the same day each month — the 1st works well — labeled “subscription check.” Open Dongip, run the five questions, and close the app. Consistency matters more than how long you spend.

What if a subscription doesn't appear in the Subscriptions view?

Subscription radar detects charges that have appeared at least twice with a recognizable pattern. A brand-new subscription or one on a card you haven’t connected yet won’t appear until it’s been charged again. Connect all your cards for full coverage, and newly converted trials will be flagged on their first real charge.

How do I cancel a subscription that's hard to cancel?

Most subscriptions can be canceled from the service’s app or account settings page. For stubborn ones that keep renewing, contact your card issuer and request a stop-payment on that merchant, or ask them to replace your card number to break the billing chain.

Should I use shared subscriptions with my household?

Yes — streaming family plans, password managers, and cloud storage often serve four to six people at 20–30% more than an individual plan. Put shared subscriptions in a shared Dongip account (with your partner or roommates) rather than on one person’s personal card. That way everyone sees the cost and nobody is quietly subsidizing the household.

How many subscriptions is too many?

There’s no universal number. A useful signal: if your total monthly subscription spend exceeds 5% of your take-home pay, run an audit.

Subscriptions paid annually show up in your bank feed as a single large charge, not 12 small ones. Dongip detects these annual patterns separately. When you review your monthly total, the Subscriptions category will show the monthly equivalent (annual amount ÷ 12) for annuals alongside monthly charges.