See your real habits, not just your subscriptions.

Smoothin detects all payments that repeat, groceries, gas, rent, utilities, business suppliers, and more. If it happens more than once, it’s part of your financial rhythm and we show it clearly.

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Subscriptions aren’t the whole story

Regular non-subscription payments contribute significantly to your spending. Smoothin’s Frequent Payments Overview reveals these patterns, helping you understand your monthly costs.

Discover your real monthly habits
Detect recurring expenses that aren’t subscriptions
See spending trends by category or merchant
Find opportunities to adjust spending patterns
Understand your essential monthly cost baseline

All we need is your cashflow

1

Connect your bank or card account

Read-only, secure, and GDPR-compliant.

2

We analyze your cashflow

Line by line, detecting repeating charges

3

We highlight recurring patterns

Any payment made at least twice within the selected period.

Understand your recurring spending patterns

Smoothin’s AI finds and organizes your frequent payments, showing:

List of recurring merchants and categories
Frequency and total spend
Month-to-month comparison
Essential vs. flexible costs
Insight on how much you could save by optimizing patterns
Example insight
You spent €312 on fuel this month
8% above your 3-month average

The bigger picture

Your subscriptions are just one piece of your financial puzzle. Smoothin builds every insight from your cashflow, so when you’re ready, you can unlock more:

Frequent Payments Overview

Rent, bills, etc.

Solvency Check

How much room you have left after obligations

Cashflow Trends

Income vs expenses

Your data stays yours

We never store your statements after processing. All insights are generated in real-time from your cashflow and securely deleted once complete.You control what’s shared and who sees it.

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Clarity that starts with your cashflow.

Join the movement for smarter financial decisions. See how your habits shape your financial freedom.

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