Recurring transactions and bill tracking

Zypper finds your recurring payments automatically

As transactions sync, Zypper identifies recurring groups — subscriptions, bills and utilities, recurring income, and credit card payments — from the pattern of your actual transactions. You don't enter bills by hand; they surface on the recurring page as they're detected, and we'll notify you when new ones are identified.

What you see per recurring group

• The frequency — weekly, every 2 weeks, monthly, every 2, 3, or 6 months, yearly, and more
• The next expected payment and amount, predicted from the pattern
• The status — active, inactive, or overdue (expected but not seen)
• The spending history for that subscription or bill over time

We can also notify you before an expected payment arrives — manage that in notification settings.

Bills count in your budget

Bills in your spending categories count against your budget in the month they're due — before they're paid — and appear in the category's detail panel on the budget page as late, expected, paid, or settled. For bills that come less often than monthly, Zypper sets money aside between occurrences when the category rolls over. See Recurring bills in your budget.

Keeping the list accurate

Rename a group if the merchant name is cryptic, and use Remove recurring group on a group that isn't really recurring — its transactions stay, but they stop counting as a detected bill in your budget. One exception: a category budgeted every three months or longer keeps treating charges of about the budgeted size as its bill until you switch the category's frequency to monthly — see Recurring bills in your budget. If a subscription you canceled stops charging you, its group goes quiet — a useful confirmation that the cancellation stuck.