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Subtracker

Subscription spend by category, cost-per-use, and cancellation-savings projections — all local

Unify Dynamics LLC

Documentation
Tools4read-only
Sign-inNoneno account, no key
Data keptNoneprocessed in memory
PriceFreeoptional Pro limits
StatusLiveMCP + REST
Works withMCP · RESTany agent

Try asking

Real questions, and the tools your agent calls to answer them.

What am I spending on subscriptions total, broken down by category?
Tools called
spend_summary
What's my cost per use on a $15/month gym app I go to twice a month?
Tools called
spend_summary
How much would I save cancelling Netflix and Spotify?
Tools called
cancellation_savings_projector
If I cancel these three and invest the savings at 7% for 5 years, what's that worth?
Tools called
cancellation_savings_projector
How do I actually audit my subscriptions and cut the ones I don't use?
Tools called
audit_methodology_guide
What's subscription creep? What's a zombie subscription?
Tools called
subtracker_glossary

About

Subtracker puts subscription-spend arithmetic behind one connector, computed locally from the numbers you supply. Spend summary: converts every subscription — whatever its billing cycle — to an exact annual and monthly figure on the same footing, then reports total spend, a spend-by-category breakdown, and cost-per-use for anything you gave a usage frequency for. Cancellation savings projector: the monthly/annual savings and remaining spend from cancelling one or more subscriptions out of a list, plus — given an expected return and a time horizon — the future value of investing those savings every month instead of spending them, using the standard ordinary-annuity compounding formula. Audit methodology guide: a hand-written, ten-step checklist for inventorying every charge, scoring usage rather than just price, spotting category overlap and free-trial conversions, downgrading before cancelling, and re-auditing on a schedule. A glossary covers subscription creep, cost per use, zombie subscriptions, and more. General educational information, not personalized financial advice.

Sources: No external sources — every tool is arithmetic computed locally from the numbers the caller supplies; nothing fetched, nothing stored

Privacy

The publisher, Unify Dynamics LLC, states that tool inputs are processed in memory and not retained.

Data not collectedNo account, no profile, no stored prompts or results.
Privacy policyTerms

What it can do

4 tools, grouped by job. Every one is read-only or compute-only.

OpenAPI
Spend tracking1 tools
  • Spend summaryNormalizes a mixed list of weekly/monthly/quarterly/annual subscriptions to a common monthly and annual figure, reports total spend and a…
Savings projection1 tools
  • Cancellation savings projectorComputes the monthly/annual savings and remaining spend from cancelling one or more subscriptions out of a full list; with invest_return_pct and…
Reference2 tools
  • Audit methodology guideA hand-written, numbered methodology for auditing and trimming unused subscriptions — inventory, normalize, score usage, spot overlap and…
  • Subtracker glossaryDefinitions of common subscription-management terms (subscription creep, cost per use, zombie subscription, free-trial-to-paid conversion, tier…

Information

PublisherUnify Dynamics LLC
CategoryEveryday life · Money & business
LanguagesEnglish
Built forGlobal
CompatibilityAny MCP client · any agent · REST
Version0.1.0
MCP endpointhttps://subtracker.connectorbay.com/mcp
REST APIopenapi.json
SupportGet help · Status
CountryWorldwide

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Documentation

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What Subtracker is for

"What am I spending on subscriptions total, by category", "what's my cost per use on this gym app I barely open", "how much would I save cancelling Netflix and Spotify", "if I invest that savings instead, what's it worth in 5 years", "how do I actually audit my subscriptions" — the recurring-spend questions that are hard to answer because the charges are scattered across a dozen billing cycles. Subtracker answers them with real arithmetic — no upstream calls, no accounts, nothing stored.

What it does

Spend summary. Takes a list of subscriptions (name, cost, billing cycle, optional category and monthly usage count) and converts every one — weekly, monthly, quarterly, annual — to an exact annual and monthly figure on the same footing, then reports total spend, a spend-by-category breakdown, and cost-per-use for anything a usage frequency was given for.

Cancellation savings projector. Given the same subscription list and the names to cancel, computes the monthly and annual savings and what's left afterward. Add an expected investment return and a time horizon to also see what that freed-up money would be worth if invested every month instead of spent, using the standard ordinary-annuity compounding formula.

Audit methodology guide. A hand-written, ten-step checklist for actually finding and trimming unused subscriptions: inventorying every charge, normalizing billing cycles, scoring usage rather than just price, spotting category overlap and free-trial conversions, downgrading before cancelling, cancelling through the real billing channel, and re-auditing on a schedule.

Glossary. Plain-language definitions of subscription creep, cost per use, zombie subscription, the free-trial-to-paid conversion, tier downgrades, and the opportunity cost of a subscription.

What it is not

Not personalized financial advice, and not a bank or subscription-management integration — Subtracker computes from the numbers you give it; it cannot see your actual statements, detect subscriptions on its own, or cancel anything for you. Investment-return figures in the savings projector are illustrative math with a rate you supply, not a forecast of what any investment will actually do.

Built and maintained by Unify Dynamics LLC. Contact: agent@connectorbay.com.

Privacy policy

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Subtracker — Privacy Policy

Effective 28 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What Subtracker is. Subtracker is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf for subscription-spend calculations: spend summaries, cost-per-use, and cancellation-savings projections. You interact with your assistant; the assistant sends us only the numbers needed for that one calculation.

What we receive. The arguments of each tool call — subscription names (e.g. "Netflix"), costs, billing cycles, categories, usage frequencies, and any investment-return assumptions — the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.

Everything is computed on our server and nothing is stored. Every calculation is plain arithmetic over the numbers you provide in that single request — there are no upstream data sources or bundled rate tables to look anything up in, and Subtracker never connects to your bank, card issuer, or app stores to find subscriptions on its own. No request is forwarded to any third party, and no query — including any subscription name or amount you enter — is logged in request bodies, recorded, or used to train anything.

What we do not receive or store. We do not receive your conversation with the assistant, your name, account or card numbers, or any other identifying or account information, and we do not build a spending profile from your queries: each calculation is answered independently and nothing carries over between requests. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.

Sub-processors. None — every tool is computed locally. Hosting: Vercel (United States regions).

Legal bases and your rights. For users in California, the EU/UK and elsewhere, our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.

Children. Subtracker is a general-audience service for adults; we knowingly collect no personal data from anyone.

Changes. We will post changes here with a new effective date.

Terms of service

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Subtracker — Terms of Service

Effective 28 September 2026. These terms govern use of the Subtracker connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

  1. The Service. Subtracker returns subscription-spend calculations — spend summaries across mixed billing cycles, spend-by-category breakdowns, cost-per-use, cancellation-savings projections, and a methodology guide — computed entirely from the numbers you provide in each request. It is accessed through an AI assistant or directly over MCP or HTTP.
  2. Not financial advice. Subtracker's results are general educational information — real arithmetic applied to numbers and assumptions you supply — not a recommendation, and not individualized financial advice. Consult a financial advisor for guidance tailored to your specific situation before making a financial decision.
  3. No connection to your accounts. Subtracker does not connect to any bank, card issuer, or app store, and cannot detect, verify, or cancel a subscription on your behalf. Every figure comes only from what you or your assistant enters.
  4. Investment projections are illustrative, not guarantees. The future-value figures in cancellation_savings_projector use a rate of return you supply and standard compounding math; they are not a forecast of what any real investment will do, and actual returns vary and can be negative.
  5. The audit guide is general, not tailored. audit_methodology_guide is a general-purpose checklist, not a personalized recommendation about which of your specific subscriptions to keep or cancel.
  6. Acceptable use. Automated use within the published rate limits is welcome.
  7. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
  8. Data. Our Privacy Policy describes what we process. In short: your query is answered on our server and nothing is stored.
  9. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
  10. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any financial loss arising from use of or reliance on the Service. Our total liability is limited to US $100.
  11. Governing law. California law; venue in San Mateo County, California.
  12. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/subtracker

Support

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Subtracker support

Email agent@connectorbay.com. We answer within two business days.

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Subtracker never asks for them.

Get Subtracker

Free · No sign-in · Read-only

Streamable HTTP, stateless, no authentication. Paste the endpoint into any MCP-capable agent.

https://subtracker.connectorbay.com/mcp
{
  "mcpServers": {
    "subtracker": {
      "type": "http",
      "url": "https://subtracker.connectorbay.com/mcp"
    }
  }
}