Every subscription and sneaky fee, finally in one place.
Owlpenny is a mobile app we're building for people in the U.S. Connect your bank and card accounts with read-only access, and it lists your recurring charges, warns you before auto-renewals, price increases and free trials that turn paid, and guides you to cancel what you don't want.
The app isn't available yet. Joining the waitlist is free and only asks for your email.
Your recurring charges
Price up $2.00
Becomes $10.99/mo
No end date
Often waivable
Illustrative design preview with sample data. Not a real account.
What Owlpenny is being built to do
One clear list of what's quietly charging you every month, and a heads-up before it costs you more.
Find every subscription automatically
Owlpenny scans your transaction history for repeating charges and groups them into one list, with what you pay per month and per year.
Price-increase alerts
When a recurring charge goes up, you get a notification showing the old price, the new price and what it adds up to over a year.
Free-trial reminders
A reminder before a free trial turns into a paid plan, so you decide whether to keep it before the first charge.
Auto-renewal protection
Spots recurring charges with no end date and warns you before each renewal, with guided one-click cancellation. Learn more
Hidden-fee spotting
Flags recurring fees that are easy to miss, such as monthly account maintenance fees or repeated ATM and service fees, so you can ask about them or switch.
Help canceling what you don't use
For each subscription, the fastest way to cancel: the right page, the steps, and a ready-to-send request where that's how the merchant handles it.
Auto-renewal protection
Many subscriptions are set to renew forever unless you stop them. Owlpenny is designed to catch those before they charge you again.
- ✓Detects open-ended charges. Identifies recurring payments that have no end date, monthly or yearly.
- ✓Warns you before every renewal. A reminder ahead of each renewal date, with enough time to decide (yearly renewals get extra notice).
- ✓Guided one-click cancellation. One tap takes you straight to the merchant's cancellation page or a prefilled request, with the steps laid out.
To be clear: Owlpenny can't cancel on a merchant's side by itself. You confirm the final step with the merchant, and nothing is canceled without your OK.
Auto-renews yearly with no end date. Last charged Dec 1 last year.
Illustrative preview with sample data.
How it would work
Three steps, a few minutes.
Connect your accounts
Link your checking accounts and credit cards through a trusted bank-data provider such as Plaid. Read-only: Owlpenny can see transactions but can't move money.
Review your list
Owlpenny groups repeating charges into subscriptions and fees. Confirm, rename or hide anything, and see your monthly and yearly total.
Get alerts and act
Get reminders before renewals, trial conversions and price increases, and use guided cancellation for anything you no longer want.
How your bank connection would work
Owlpenny would connect to your bank through a trusted financial-data aggregator such as Plaid, the kind of service many U.S. budgeting apps already use. We don't have a partnership with any provider yet; this describes the planned approach.
- Read-only access. The app can read transactions to find recurring charges. It can't move money, make payments or open accounts.
- We never see your bank password. You sign in through the aggregator's secure flow, often on your bank's own screen. Owlpenny would only receive a token that allows read-only access.
- Bank-level encryption. Data encrypted in transit (TLS) and at rest (AES-256).
- Two ways banks connect. Most large U.S. banks offer secure API connections. For banks that don't yet, the aggregator may sign in on your behalf with credentials you give it directly (not us) to read your transactions. The app would tell you which kind each connection is.
- You're in control. Disconnect an account or delete your data at any time.
- No selling your data. We don't plan to sell personal or transaction data.
Planned pricing
Indicative only. Prices aren't final and there's nothing to buy today.
The essentials, free.
- Automatic subscription list
- Free-trial and renewal reminders
- Price-increase alerts
- Up to 2 connected accounts
For people who want more help.
- Everything in Free
- Guided one-click cancellation and cancellation templates
- Hidden-fee reports
- Unlimited connected accounts
Your answers in the survey below help us set a fair price.
Get early access
We'll email you when Owlpenny is ready to try. No spam, and you can unsubscribe at any time.
Questions
Is Owlpenny available now?
No. Owlpenny is in development and this page gauges interest. If you join the waitlist, we'll email you when early access opens.
Will it cancel subscriptions for me?
It's designed to guide you: one tap opens the merchant's cancellation page or a prefilled request, with the steps laid out. The final confirmation happens with the merchant, and nothing is canceled without your OK.
Can Owlpenny move money from my account?
No. The planned connection is read-only, so it can see transactions but can't make payments or transfers.
Which banks will it support?
The goal is broad U.S. coverage of banks, credit unions and card issuers through a bank-data aggregator. Exact coverage will be confirmed before launch.
What happens to my waitlist info?
We use your email (and first name, if given) only to contact you about Owlpenny. Ask us to delete it at any time.
Local responses (this browser only)
Shown because the URL ends in #admin. This is the local backup kept in this browser's localStorage; real submissions from all visitors are in the Netlify dashboard → Forms (each local record has netlify: sent/failed).