Feature

See what you really spend

Turn every recurring charge into one clear spending picture — and catch the ones you've stopped using.

Suby insights with monthly total, projected spend, and top subscriptions

What you get

See your monthly and yearly totals at a glance — no spreadsheet required.
Follow where the money goes, by category, card and billing cycle.
Catch the services quietly draining your budget month after month.
Read a six-month spending trend and every charge due in the next 30 days.

In detail

One total, four horizons

The black card at the top of Insights has a WK / MO / QTR / YR switch. Tap one and the headline total, the average per subscription and the per-subscription figures below all recalculate; the change pill underneath is always month over month, and it's hidden when there's no comparable previous month, rather than showing a misleading jump.

A trend that remembers old prices

The six-month line chart prices each past month at the price that was actually in effect then, using the price changes Suby records whenever you edit a subscription's price — so a rise shows as a step instead of being flattened by today's number. Drag across the line to read any month's total; the chart appears once two months have spend in them.

The next 30 days, dated

Renewal runway lists every charge due in the next 30 days by date, split into This week and Later, with a count and a window total at the top. It counts charges, not subscriptions, so a weekly plan appears once per billing date — and it names your biggest month ahead only when one of the next twelve months is at least 25% above the median of them all.

Breakdowns you can tap

Top subscriptions (with what each costs you per day), a category donut, spend by tag, per-card totals with a card-expiry pill, and a billing mix showing how much of your spend is weekly, monthly or annual. Rows are live: tap a subscription, tag or card to open its own screen, and empty sections offer a shortcut to Manage to add your first tag or payment method.

Straight about mixed currencies

Everything is converted into your main currency using the rates cached on your device, and figures count your share of a shared subscription rather than the full charge. If a rate is missing, the total is marked with a ≈ instead of quietly dropping the subscription, and an individual renewal that cannot be converted is shown in its own currency.

How it works

Open Insights from the dashboard

Tap Insights in the quick-action row on the dashboard, between Calendar and Convert. You need at least one active subscription — with none, the screen shows an empty state instead of charts.
Choose your horizon

Tap WK, MO, QTR or YR on the hero card. The big number becomes your spend for that period, and the line beneath it updates the active count and the average per subscription.
Scroll the sections

They run in order: trials ending soon, spending trend, projected spend for 30 / 90 / 365 days, renewal runway, top subscriptions, highlights (most expensive, longest-running, newest), for scale, billing mix, payment methods, spend by tag and by category. Sections with no data hide themselves or show a prompt. Subscription health — the score out of 100, its nudges and the monthly budget you set from it — is the one card behind Premium; without Premium it is blurred with an Unlock chip.
Share the picture

The share icon in the top bar builds an image card. Summary is always there; Equivalents appears once you have a total and cached rates; Year in review only shows in December and January. No account, no Premium, no watermark.

Questions

Do I need an account to see my insights?

No. Every figure is calculated on your device from the subscriptions already stored there — the Insights screen never checks whether you are signed in. An account is only needed for cloud backup and shared subscriptions.

Is this free, or is it a Premium feature?

Insights is free. One card inside it is not: Subscription health — the 0–100 score, its grade, the nudges about price rises, category overlap and budget, and the monthly budget dialog itself — requires Premium, and free users see it blurred with an "Unlock all insights" card at the bottom of the screen. The trend chart, projections, renewal runway, breakdowns and the share card are all free.

What happens offline?

It works. The charts are built from local data, and exchange rates are read from the copy already cached on your device — so with no connection you still get the full screen, with a ≈ on any total that could not be fully converted. The only network request in this screen's path is fetching rates for your main currency, which sends a currency code and nothing else; no subscription data is uploaded to draw these charts.