# AI Subscription Tracker - Track Recurring Payments with Claude | Warm

> Find forgotten subscriptions and track recurring payments with AI. Ask Claude about your monthly costs, duplicates, and price changes. Pro feature.

Source: https://warm.io/ai-subscription-tracker

Pro Exclusive

# AI Subscription Tracker

Ask Claude about your subscriptions. Find the ones you forgot. Know exactly what you're paying every month.

[Get Pro for $24.99/mo](https://warm.io/pricing.md) [View Documentation](https://warm.io/developers.md)

Powered by `get_financial_state` MCP tool · Read-only access

## How it works

AI-powered subscription discovery in three steps.

### Install

Run `npx @warmio/mcp` to add Warm to your AI client

### Connect

Add your API key from Settings → API Keys in Warm

### Ask

Ask Claude about your subscriptions and recurring charges

### The `get_financial_state` Tool

Claude uses this MCP tool to access your financial state. The recurring section includes detected subscriptions and recurring payments, alongside snapshots, budgets, goals, and health.

Input

No parameters required

Recurring

Merchant, amount, frequency, next date, type, and active status

Also includes

Snapshots, budgets, goals, and health

## Example conversations

Real questions about your subscriptions, answered by Claude.

You: "What subscriptions am I paying for?"

Claude: I found 12 recurring charges: Netflix ($15.99/mo), Spotify ($10.99/mo), iCloud ($2.99/mo), ChatGPT Plus ($20/mo), GitHub ($4/mo), Notion ($8/mo), Adobe CC ($54.99/mo), NYT ($17/mo), Calm ($69.99/yr → $5.83/mo), Disney+ ($13.99/mo), YouTube Premium ($13.99/mo), and your gym ($49/mo). Total: ~$217/month.

You: "How much do I spend on subscriptions per month?"

Claude: Your recurring subscriptions total $217.72/month. That's $2,612.64 per year. Your largest subscriptions are Adobe Creative Cloud ($55), your gym ($49), and ChatGPT Plus ($20).

You: "Are there any subscriptions I might have forgotten about?"

Claude: I found 3 less-frequent charges you might not think about: Calm (annual, last charged 8 months ago), your domain renewal (annual, due next month), and a Patreon subscription ($5/mo) you haven't interacted with in 6 months.

You: "Which subscriptions have increased in price?"

Claude: Netflix increased from $13.99 to $15.99 in October (+14%). YouTube Premium went up from $11.99 to $13.99 last July (+17%). Your total subscription cost is up ~$6/month from price increases.

You: "Do I have any duplicate subscriptions?"

Claude: You have both Spotify ($10.99) and YouTube Music via YouTube Premium ($13.99). That's two music streaming services. You also have iCloud ($2.99) and Google One ($2.99) for cloud storage.

You: "What subscriptions can I cancel to save $50/month?"

Claude: To save $50/month, you could cancel: Adobe CC ($55 - do you use it?), or combine YouTube Premium ($14) + gym ($49) if you use YouTube Music instead of Spotify. Or drop Disney+ ($14), Calm ($6), and Patreon ($5) plus one streaming service.

## Why AI subscription tracking works

Find what you're paying for and take control.

### Discover Hidden Subscriptions

Claude scans your recurring transactions to find subscriptions you might have forgotten—including annual ones that slip under the radar.

### Total Monthly Cost

Get the real number. Claude adds up all your subscriptions—monthly, annual, and quarterly—normalized to a monthly total.

### Frequency Detection

Automatically identifies billing frequency: weekly, monthly, quarterly, or annual. Converts everything to comparable monthly costs.

### Spot Duplicates

Find overlapping services—two music apps, multiple cloud storage plans, or streaming services nobody watches.

### Price Increase Alerts

Claude notices when subscription prices change. Know when Netflix, Spotify, or your gym hikes their rates.

### Annual Reminder

Don't get surprised by annual charges. See when big yearly subscriptions are coming due.

## Your data is secure

Built for security from the ground up.

### Read-Only

The MCP server can only query data—it cannot cancel subscriptions or modify anything.

### Scoped Access

Your API key only accesses your accounts. No one else's data.

### Instant Revoke

Delete your API key in Settings and access stops immediately.

## More AI-Powered Features

[

### AI Spending Analysis

Analyze your spending patterns with Claude

](https://warm.io/ai-spending-analysis.md)[

### AI Net Worth Tracker

Track your net worth over time with AI

](https://warm.io/ai-net-worth-tracker.md)

## Common questions

Everything you need to know about AI subscription tracking.

### How does AI subscription tracking work?

Warm's MCP server gives Claude read-only access to your financial state via the get\_financial\_state tool. Claude reads the recurring section to identify subscriptions, their frequencies, and their costs—then answers your questions about them.

### How are subscriptions detected?

Warm uses Plaid's recurring transaction detection plus our own pattern matching. This catches most subscriptions automatically. The recurring section of get\_financial\_state returns the detected charges with amounts, frequencies, and upcoming dates when available.

### Can Claude find subscriptions I forgot about?

Yes. Claude can identify recurring charges you might have forgotten—especially annual subscriptions, Patreon pledges, or services you signed up for and stopped using.

### Does it track annual subscriptions too?

Yes. The recurring data in get\_financial\_state includes annual, quarterly, and other non-monthly subscriptions. Claude normalizes these to monthly costs for easy comparison.

### Can I ask about specific subscription categories?

Absolutely. Ask "How much do I spend on streaming?" or "What software subscriptions do I have?" and Claude will filter and summarize appropriately.

### Is this different from the subscriptions page in Warm?

The app shows a list of detected subscriptions. AI tracking lets you ask specific questions: "Which subscriptions increased in price?", "Do I have duplicates?", or "How can I cut $50/month?"

### Is my subscription data secure?

Yes. The MCP server only has read-only access. It cannot cancel subscriptions, modify data, or access anything beyond your own accounts. Revoke access instantly by deleting your API key.

### Which AI clients support this?

Claude Code, Cursor, Windsurf, Claude Desktop, OpenCode, Codex CLI, Antigravity, and Gemini CLI. Install with npx @warmio/mcp.

## Ready to find your
forgotten subscriptions?

Get Pro and let Claude help you discover what you're really paying for.

[Get Pro for $24.99/mo](https://warm.io/pricing.md) [View Documentation](https://warm.io/developers.md)

AI features exclusive to Pro. Install with `npx @warmio/mcp`
