Recurring Payments
Every subscription, bill, and loan in one place.
TrackGeld's recurring payment tracker gives you a complete view of your fixed financial commitments — subscriptions, rent, loan repayments, and bills — so you know exactly how much of your income is already spoken for before the month begins.
The hidden cost of 'set and forget'
Most people have subscriptions and direct debits they have forgotten about. They signed up years ago, the amount is small enough to not notice monthly, but over a year they add up to hundreds or thousands. The average person underestimates their recurring spend by 30–40%.
TrackGeld surfaces everything in one view. When you can see your total pre-committed spend at a glance, you make better decisions about what is actually worth paying for.
What you can track
Subscriptions
Streaming, SaaS, apps, newsletters — every recurring digital spend with renewal dates.
Rent & mortgage
Your single largest recurring expense tracked against budget every month.
Loan repayments
Track instalment amounts, due dates, and remaining balance separately in the Loans section.
Utilities
Electricity, gas, internet, phone — fixed and variable recurring bills.
Memberships
Gym, clubs, professional memberships — anything with a regular billing cycle.
Recurring income
Salary, freelance retainers, rental income — track both sides of your monthly cash flow.
Know your pre-committed spend before you budget
The first step to a real budget is knowing the floor. TrackGeld shows your total recurring commitments as a monthly number so you can see your true discretionary income — what is left after the unavoidable costs.
Monthly income
€3,200
Recurring commitments
− €1,840
True discretionary budget
€1,360
Frequently asked questions
What types of recurring payments can I track?
TrackGeld handles subscriptions (Netflix, Spotify, SaaS tools), rent, loan repayments, insurance premiums, gym memberships, utility bills, and any custom recurring expense you define.
How does TrackGeld alert me before a recurring payment?
You set the billing date and TrackGeld reminds you via the app and Telegram bot before the payment hits. You can configure the lead time (e.g. 3 days before).
Can I see the total of all my recurring payments in one view?
Yes. The recurring payments dashboard shows you every recurring expense, its frequency, next billing date, and the total committed cost per month — so you can see exactly how much of your income is pre-committed.
What is "pre-committed spend" and why does it matter?
Pre-committed spend is the total of all your fixed recurring costs that leave your account automatically. Knowing this number is critical for budgeting — it is the floor of your monthly expenses.
Can I track recurring income as well as payments?
Yes. You can log regular income (salary, freelance retainer, rental income) as recurring entries so your net monthly position is always visible.
Related pages
Loan & debt tracker →
Track what you owe and what others owe you — linked to your recurring commitments.
Budget discipline →
Set category limits and enforce them — knowing your recurring spend sets the floor.
Goal tracker →
Your true discretionary income (after recurring costs) determines your savings capacity.
What is TrackGeld? →
Full overview of all TrackGeld features including recurring payment tracking.
FAQ →
Answers to common questions about recurring payment tracking and setup.
See what you are actually committed to paying every month.
Add all your recurring payments once. TrackGeld tracks them forever.
Start for free →