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Subscriptions

Track recurring charges, review what still matters, and redirect unused spending toward your goals.

Subscriptions

Demo mode · Sample subscriptions shown for preview. No real account is connected.
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Monthly recurring
$170
Across active subscriptions
Review opportunity
$103
Potential monthly savings
Active subscriptions
8
3 need review
Goal impact
29 days
Could move Italy Trip closer
Subscription intelligence

3 quiet subscriptions may be worth reviewing.

Lumara found recurring charges that appear lightly used or duplicated. Canceling or pausing them could free up about $103/month and move your Italy Trip goal about 29 days closer.

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Recurring flow
Toward · Italy Trip
Recurring charges
$103 reviewable
Review opportunity
$103/mo
Savings stream
$103/mo freed
Goal impact
29 days closer
Your subscriptions

Active recurring charges

Every card shows what's charged, when, and one Lumara signal.

Netflix
Entertainment · Last charged Jul 19
Active
$22.99 / moRecurring

Steady recurring charge. Usage looks consistent.

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Spotify
Music · Last charged Jul 19
Active
$11.99 / moRecurring

Regular music subscription — looks active.

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iCloud
Storage · Last charged Jul 18
Essential
$9.99 / moEssential

Storage subscription. Appears essential.

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Gym Membership
Health · Last charged Jul 05
Needs review
$39 / moLow usage

Low usage pattern detected over the last 60 days.

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Meditation App
Wellness · Last charged Jul 12
Needs review
$14.99 / moCategory overlap

Overlap with another wellness subscription.

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Canva
Productivity · Last charged Jul 10
Active
$15 / moWork tool

Work-related tool — usage looks stable.

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Streaming Bundle
Entertainment · Last charged Jul 19
Needs review
$49 / moHigh recurring cost

One of your larger recurring entertainment costs. Worth reviewing if lightly used.

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News App
Reading · Last charged Jul 14
Active
$7 / moSmall recurring

Small recurring charge. Low material impact.

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Review

Review queue

Subscriptions that may deserve a second look.

Gym Membership
Health · $39/mo
Low usage

Low usage pattern detected over the last 60 days.

Could move Italy Trip about 11 days closer
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Meditation App
Wellness · $14.99/mo
Category overlap

Overlap with another wellness subscription.

Could move Italy Trip about 4 days closer
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Streaming Bundle
Entertainment · $49/mo
High recurring cost

One of your larger recurring entertainment costs. Worth reviewing if lightly used.

Could move Italy Trip about 14 days closer
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Queue impact

Potential savings of $103/month could move Italy Trip about 29 days closer.

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Impact

Subscription savings impact

How reviewed recurring charges could translate into goal momentum.

Potential savings
$103/mo
Goal impact
29 days
Cash cushion +
$103/mo
Reviewable
3 subs

Reviewing lightly used subscriptions could free monthly room — which Lumara can redirect toward your Italy Trip goal or your Cash Flow cushion.

Recurring flow
Toward · Italy Trip
Recurring charges
$103 reviewable
Review opportunity
$103/mo
Savings stream
$103/mo freed
Goal impact
29 days closer
Insights

What Lumara notices

Quiet patterns across your recurring charges.

Quiet recurring spend

Your active subscriptions total $170/month.

Review opportunity

3 subscriptions may be worth reviewing.

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Goal impact

Redirecting $103/month could move Italy Trip about 29 days closer.

Cash flow support

Reducing recurring charges would improve your monthly cushion.

Essential subscriptions

Storage and work tools appear more stable — leave them running.

Recurring history

Every recurring charge is traceable in your transactions.

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Start a conversation about your subscriptions

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