Recurra AI

Recurra AI is a subscription tracker for iPhone and iPad, built for people who don't want to hand their bank login to an app.

There's no bank integration at all — not disabled, not optional, not built — and no account system. You add what you pay for, either from a catalog of 30+ common services or by screenshotting your Apple subscriptions page, which it reads on-device.

From there it reminds you before every renewal so free trials can't quietly convert, logs it when a service raises its price, and gives each subscription a verdict — keep, cancel, downgrade, or watch — generated on your iPhone rather than on a server. Optional iCloud sync keeps everything in step across devices through your own iCloud account.

The AI Savings Advisor runs entirely on your iPhone. Each month it reviews your subscriptions and gives every one a verdict — keep, cancel, downgrade, or watch — with the dollar amount attached: overlapping services in the same category, monthly plans that would be cheaper annually, and prices that have crept up since you started tracking. On devices with Apple Intelligence it writes the report in natural language using Apple's on-device model; everywhere else it uses the same analysis in template form. Either way nothing is uploaded, and no third-party AI service ever sees your data.

The trade-off is deliberate: because it can't see your bank, it can't surprise you with a charge you'd forgotten. You tell it once. In exchange, nothing about your finances leaves your device.

Free tier available. Pro is $4.99/month or $29.99/year.

Optional iCloud sync uses your own private CloudKit database — encrypted by Apple, and fully end-to-end encrypted for users with Advanced Data Protection enabled.