Subscription spend

A supplier paid from a bank account or a credit card in at least three months, never more than once a month, with no gap longer than one skipped month and most gaps of one month, counts as monthly. Every gap of two months counts as bimonthly, every gap of three as quarterly, and every gap of twelve as yearly. The supplier must also be software or a service paid on a schedule, by its category: an agency, a contractor, a meal or a trip paid every month is not a subscription. A supplier on a cadence with no category is listed apart, to categorise, and is not counted. The answer states the rule it used.

Yes, for a supplier whose payments held one amount and then moved to another and held there. It names both amounts and the month it changed. A supplier whose amount varies every month is reported as usage shaped, not as a price change.

A charge on a debit card, or on a credit card you connected, is in the read like any other outflow, on the day of the charge and against its supplier. The card's repayment from your bank is a transfer between your own accounts, so it is never counted a second time. A charge on a card that is not connected reaches Well with no account behind it, so the answer says how many rows it left out because they moved no connected account.

Transfers between your own accounts, payments to your own company, taxes, salaries, social charges, loan repayments and treasury moves. Each one repeats every month and none of them is a subscription. The answer says how many transfers, rows that moved no connected account and payments to your own loan accounts it left out, and names the categories it never counts.

Yes, when Well holds the supplier's contract. It reads the end date and the notice period Well extracted from the contract, gives the last day to give notice (the end date minus the notice period), and names the contract. A contract that renews automatically and whose end date is past has no next date on file, so the answer says so and asks for the latest contract. A contract that states it does not renew gives the date it ends. A contract whose reading does not say whether it renews gets no deadline: the answer gives the end date and the notice period, says it does not know whether the contract renews, and asks for the contract. With no contract on file, the answer says the date is unknown and asks for the contract. It never estimates the date from the payments. When no bank transaction has reached Well, the answer reads the contracts on file and asks for the contract when none carries the date.

In part. Asked where you can save, it reads all your workspaces and lists your subscriptions first, then the numbered leads, every amount per year, the biggest first: a price rise to renegotiate, and a supplier you pay in two workspaces. A refused payment to a subscription and a tool its supplier says you do not use follow as signals to check. Reply with the numbers to act on them. Each lead names the workspace, the yearly figure, the action, the evidence and the date that matters. A supplier paid more than once in a month is flagged as a possible duplicate, and one whose payments stopped as possibly ended. Taxes, meals and a one-off transfer are never flagged. Every lead is to check, because Well cannot see whether a subscription is in use, and nothing is cancelled.

You get one trend and one table per currency, and the totals per currency. A headline across currencies carries the rate and the rate date. Never a blended number with no rate behind it.

The read covers the last 24 complete calendar months, so a yearly subscription shows. The cards draw the last 12 complete months, and the table draws the running month apart, marked in progress.