Only the last 4 digits. No bank connection.

Know what renews next, and what it really costs.

SubDesk is a subscription tracker and ledger: which card each subscription charges, when it renews, how the price has changed, and the invoice for every month. Your warranties and insurance policies sit beside them, with a word before each one ends.

Free to start · Nothing is read from your bank · Works on any device

This month
$181.95
$2,183 a year · 9 active across 3 cards
$170.95
Apr
May
Jun
Jul
Aug
$181.95
Sep
projected, not yet charged
Renews next
Next 30 days
  • iCloud+
    MC•••• 5588 · Sep 19
    $2.99
    in 2 days
  • ChatGPT Plus
    VISA•••• 4242 · Sep 22
    $20.00
    in 5 days
  • Adobe Creative Cloud
    AMEX•••• 1005 · Sep 27
    $659.88
    in 10 days
  • Netflix
    VISA•••• 4242 · Oct 4
    $22.99
    in 16 days
Price change logged
Effective Jul 4 · past months unchanged
$19.99 $22.99

Only the last 4 digits

We never ask for a full card number, expiry or CVC. A card is a nickname and four digits.

Everyday VisaVISA
•••• •••• •••• 4242

No bank connection

You log what you pay. Nothing is read from your accounts, and there is no login to share.

Connect your bankShare credentialsType the price. Done.

Invoices stay yours

Upload a PDF or image per billing period. Download or delete any of them, any time.

Aug · PDF
Jul · PDF
Jun · PDF
One subscription, kept honest

Every charge, every price, every receipt. In one place.

Netflix has raised its price twice since you signed up. SubDesk keeps the old months at the old price, marks the months that changed, and files the receipt for each one.

  • Price changes apply from their effective date forward
  • Payment history is built from the first charge, not typed by hand
  • One invoice per billing period, with download and delete

Netflix

Active
Entertainment · VISA Everyday Visa •••• 4242
$22.99
per month · renews Oct 4
NoteShared with family — Mia and Dad use it too.
Price timeline
  1. $19.99$22.99
    Effective Jul 4, 2026
  2. $15.49$19.99
    Effective Dec 4, 2025
  3. Started at $15.49
    Effective Jul 4, 2025
Payment history
Oct 2026$22.99Upcoming
Sep 2026$22.99Paid
Aug 2026$22.99Paid
Jul 2026$22.99Paid
Jun 2026$19.99Paid
May 2026$19.99Paid
Invoices
One per billing period
NetflixSep 2026
Total$22.99
Paid
Sep · PDF
NetflixAug 2026
Total$22.99
Paid
Aug · PDF
NetflixJul 2026
Total$22.99
Paid
Jul · PDF
How it works

Four steps, in the order you'll actually do them.

  1. 01

    Save a card as four digits

    Pick the network, type the last four, give it a nickname. That is all SubDesk ever knows about the card.

    Everyday VisaVISA
    •••• •••• •••• 4242
    Last 4
    4242
    Type
    Visa
  2. 02

    Log the subscription

    Name, logo, the card it charges, price, monthly or yearly, next billing date, category, and a note to your future self.

    Spotify
    Music
    Card
    VISA•••• 4242
    Price
    $11.99 / mo
    Next billing
    Oct 12
    Note
    Student plan expired
  3. 03

    Record a price change from the date it happened

    When a service raises its price, log the new amount and the effective date. Earlier months keep the old figure, so totals stay true.

    Log a price change
    Current$19.99 / mo
    New price
    $22.99
    Effective
    Jul 4, 2026
    That's +$3.00 per month, from July on.
  4. 04

    See where the money goes

    Monthly and yearly totals, what renews next, spend by card and by category, and every price change in one view.

    Spend by card
    • AMEXWork Amex$68.99 · 38%
    • MCFamily Mastercard$57.98 · 32%
    • VISAEveryday Visa$54.98 · 30%
Your subscriptions

Read the renewal first. Everything else is one glance away.

Sorted by what charges next
in 4 days
ChatGPT Plus
Individual · Software
$20.00/ moNo change
VISAEveryday Visa •••• 4242
Cancel before trial ends if unused
in 9 days
Adobe Creative Cloud
All Apps · yearly · Software
$659.88/ yr+$60.00
AMEXWork Amex •••• 1005
Work expense — submit invoice to finance
in 16 days
Netflix
Standard · Entertainment
$22.99/ mo+$3.00
VISAEveryday Visa •••• 4242
Shared with family
in 24 days
Spotify
Premium Individual · Music
$11.99/ mo+$1.00
VISAEveryday Visa •••• 4242
Student plan expired
Warranties and policies

What you bought once, and the cover that renews every year.

A warranty or an insurance policy is not a subscription, so SubDesk keeps it apart: its own list, its own end date, and an amount that never counts towards what you spend each month.

  • Log the provider, the reference or policy number, the term dates and what you paid
  • End and renewal dates land on the same calendar as your subscriptions, without an amount
  • Mark a policy renewed and the next term is filled in for you
  • Up to 3 on Free, unlimited on Plus and Pro, with an email before each one ends or renews
MacBook Pro
Warranty · Apple · C02XK1ABMD6T
$1,999.00
paid
Started Oct 29 last yearEnds in 40 days
Limited warranty. Receipt is in the Apple Store app under Orders.
Car insurance
Policy · Geico · GX-4471-2210
$1,200.00
/ term
VISAEveryday Visa •••• 4242Renews Dec 3
Compare quotes a month before renewal — last year the offer was $180 above the best quote.
Calendar
Renewals and end dates together
  • Oct 4Netflix$22.99
  • Oct 12Spotify$11.99
  • Oct 29MacBook ProWarranty
  • Dec 3Car insurancePolicy
Dashboard

The whole month on one screen.

Monthly spend
$181.95
Yearly plans averaged
Yearly spend
$2,183
All active
Next renewal
$2.99
iCloud+ · tomorrow
1
Spend by category
  • Software$78.99 · 43%
  • Health & Fitness$45.00 · 25%
  • Entertainment$32.98 · 18%
  • Music$11.99 · 7%
  • Productivity$10.00 · 5%
2
Recent price changes
  • Adobe Creative CloudEffective Sep 1$599.88 $659.88
  • Disney+Effective Aug 8$7.99 $9.99
  • NetflixEffective Jul 4$19.99 $22.99
  • Gym MembershipEffective May 15$49.00 $45.00
1Spend by card and by category, as a share of the month, so the biggest line is obvious.
2Every price change with its effective date, newest first, across all subscriptions.
Why SubDesk

Small charges add up. See them coming.

SSubDesk · now
Netflix renews in 3 days for $22.99.
Still watching? It went up $3 in July.
KeepReview

Email reminders 7 and 3 days before a renewal, and before a warranty or policy ends, come with Plus. Countdowns and price trends are live for everyone.

  • Never miss a renewal

    Every next charge in one list, soonest first, with a countdown you can read across the room.

    Tomorrowin 4 daysin 16 days
  • Spot forgotten subscriptions

    Cancelled ones stay on record with what they cost you, so the next “wait, am I still paying for that?” has an answer.

    ActiveCancelledAll
  • Know which card each charge hits

    Link every subscription to a card and see the spend per card before the statement does.

    AMEXWork Amex$68.99 · 38%
  • Keep every invoice in one place

    A PDF or image per billing period, with a thumbnail and a download link, filed under the month it belongs to.

    Aug
    Jul
    Jun
  • Know when a warranty runs out

    Warranties and insurance policies keep their reference number, term and receipt note in their own list, and their end dates share the calendar with your renewals.

    Ends in 40 days
  • Catch silent price hikes

    Each change is logged with its date, and the trend shows on every card, so a quiet $3 becomes a visible $36 a year.

    $19.99$22.99+$3.00
Pricing

Free for one ledger. Plus when you need more than one.

Every plan keeps your subscriptions, cards, warranties and policies, price history and invoices. Plus adds separate workspaces, exportable reports and email reminders; Pro adds billing the clients you buy subscriptions for.

Free

$0forever

Everything you need to track one set of subscriptions.

  • Up to 8 subscriptions, unlimited cards
  • Up to 3 warranties and policies, with their end dates on the calendar
  • Price history and payment timeline
  • Calendar view of every renewal
  • 1 workspace

Plus

Most popular
$102/ year
$8.50 / month, billed yearly

Separate ledgers for personal and business, plus exportable reports.

  • Everything in Free
  • Unlimited subscriptions
  • Unlimited warranties and policies
  • Unlimited workspaces (Personal, Business, …)
  • Invoice uploads — a PDF or image up to 1 MB per billing period
  • Monthly and yearly spend reports
  • Export reports as CSV or PDF
  • Email reminders 7 and 3 days before a renewal
  • Card expiry dates, with a reminder 30 and 7 days before a card runs out
  • Email reminders 30 and 7 days before a warranty ends, 60, 30 and 7 before a policy renews or ends

Pro

For freelancers
$204/ year
$17 / month, billed yearly

Everything in Plus, and bill the clients you buy subscriptions for.

  • Everything in Plus
  • Clients in a Business workspace, each billed in their own currency
  • Assign a subscription, or a share of one, with what you charge and how often
  • Cost, billed amount and margin per client, with an alert when a margin drops
  • Reminders 30 and 7 days before a yearly service renews (7 before a monthly one), until you mark it billed
  • Export a client’s periods as CSV and a renewal notice as PDF

Pay monthly or yearly — yearly costs 15% less on either paid plan. Upgrade or switch back to Free from your profile at any time.

FAQ

Questions people ask before they start.

What is SubDesk?

SubDesk is a subscription tracker. You log each recurring subscription, link it to a payment card, and SubDesk shows what renews next, how much you spend per month and per year, how each price has changed, and keeps the invoice for every billing period.

Is SubDesk free?

Yes. The Free plan tracks up to 8 subscriptions with unlimited cards, price history, payment history and a calendar view, in one workspace, plus up to 3 warranties and insurance policies with their end dates on the same calendar. Plus removes both limits and adds invoice uploads, unlimited workspaces, monthly and yearly reports exported as CSV or PDF, and email reminders before a renewal or before a warranty or policy ends. Pro adds client billing on top of everything in Plus.

What do Plus and Pro cost?

Plus is $10 a month or $102 a year, and Pro is $20 a month or $204 a year. Paying yearly saves 15% on either plan, which works out to $8.5 a month on Plus and $17 a month on Pro. You can switch back to Free from your profile at any time.

What is the difference between Plus and Pro?

Plus is the whole tracker with no limits: unlimited subscriptions, warranties and policies, unlimited workspaces, invoice uploads, reports and every email reminder. Pro is all of that plus client billing — assigning what you pay to the clients you rebill, in their own currency, with margins and reminders to invoice them. Pick Plus to track your own subscriptions; pick Pro if you buy subscriptions on someone else’s behalf.

Does SubDesk connect to my bank?

No. Nothing is read from your bank or card accounts and there is no login to share. You type the price and the billing date, and SubDesk does the rest.

What card details does SubDesk store?

Only the card network, a nickname and the last four digits. SubDesk never asks for a full card number, expiry date or CVC.

How does SubDesk handle price increases?

Log the new price and the date it takes effect. Earlier months keep the old figure, so payment history and totals stay accurate, and every price change is listed with its date.

Can I keep invoices in SubDesk?

Yes, on Plus and Pro. Upload a PDF or image of up to 1 MB per billing period. Each invoice is filed under the month it belongs to, with a thumbnail, a download link and the option to delete it.

Will SubDesk remind me before a subscription renews?

Every plan shows a renewal countdown on each subscription. Plus and Pro accounts can also receive email reminders 7 and 3 days before a renewal, for all subscriptions or only the ones you select, and 30 and 7 days before a warranty ends, 60, 30 and 7 before a policy renews or ends.

Can SubDesk track warranties and insurance policies?

Yes. A warranty or an insurance policy is a coverage record, kept apart from your subscriptions: you log the provider, the reference or policy number, the term dates and, for a policy, the premium and whether it renews automatically. Its end date appears on the calendar and the dashboard, and the amount never counts towards your subscription spend. The Free plan holds 3 per workspace; Plus and Pro hold any number and email you before each one ends or renews.

Can I separate personal and business subscriptions?

Yes. Plus and Pro accounts can create unlimited workspaces, such as Personal and Business, each with its own cards, subscriptions and reports.

Can SubDesk help me bill clients for the subscriptions I buy for them?

Yes, on Pro, in a Business workspace. Add a client with the currency you invoice them in, assign a subscription (or a share of it) to them with what you charge and how often, and SubDesk shows your cost, what you bill and the margin, flags a margin that fell after a price rise or a rate move, lists every period you have paid for but not yet billed, and emails you 30 and 7 days before a yearly service renews (7 before a monthly one) until you mark it billed. A client's periods export as CSV, and a renewal notice as PDF, for whatever you invoice with; SubDesk does not send invoices or take payments itself.

Stop guessing what you pay for.

Set up your cards, subscriptions, warranties and policies in a few minutes. SubDesk keeps the receipts and tells you what's next.

Everyday VisaVISA
•••• •••• •••• 4242
Four digits is all we keep

No full card numbers, no bank logins. Export or delete everything from your profile at any time.