Fin reads your transactions for the money that repeats — bills, subscriptions, rent, pay — and suggests each one. Track it, and Fin schedules the next payments and tells you, inside the app, when one is late, missing, larger or smaller than usual. Free on every plan.
Fin looks over up to 18 months of your transactions, in both directions, and groups them by who was paid or who paid you. A group becomes a suggested repeat when it has at least three payments, a regular rhythm from weekly to yearly, and amounts within 15% of each other. Nothing is tracked until you say so: choose Track it, Not a repeat (remembered, so it is not offered again) or, for money coming in, It’s my pay. It reads every transaction you bring in, not only a live bank feed, so uploaded statements count too.
A tracked pattern becomes a bill: its next payments sit on Upcoming with their dates, and each payment that arrives is matched to it.
Rent from a tenant or a regular retainer becomes money you are owed on a schedule, linked when each payment lands.
Know a payment repeats before three have happened? Add a recurring pattern yourself, with its amount and rhythm.
Every tracked pattern is checked overnight and after each import. When something is off, an alert appears in Needs a look on Upcoming, on the pattern’s card, and in your review list and dashboard. Mark it This is fine and it is remembered; choose Look at it to open the payments. Alerts stay in the app — nothing is emailed or pushed.
The due date has passed and nothing has been paid yet — “Rent is 4 days late”.
Well past due and still nothing, for money expected in or out.
The latest payment is larger than the ones before it — the price rise you would otherwise find on a statement months later.
The latest payment is smaller than usual, which matters most for pay or rent coming in.
Two payments in one period, the double charge worth catching early.
The tolerance is 10% for a payment that should be the same every time and 35% for one that varies, like power or water; the grace period before a payment counts as late follows its rhythm; and alerts can be switched off for any pattern.
Subscriptions rarely announce a price rise loudly. Because every tracked pattern compares its latest payment with the ones before it, a streaming plan or software licence that goes up shows as an alert the first time it is charged, and the patterns page lists every repeating charge with what it costs. Cancelling stays with the merchant — 2Fin never moves money — but the decision becomes a list you read rather than a statement you search. How to find and cancel the subscriptions you forgot about.
Recurring patterns has one card per pattern, in its category’s colour, with the amount, the rhythm and the next date. The Active switch pauses a pattern without losing its history; Delete asks first and says what goes and what stays. If you track properties, the page follows the property you choose, so a rental’s strata, rates and insurance read as that address’s bills. How properties work.
Recurring payments, answered
Recurring patterns and their alerts are on the free plan, for as long as you like.