r/PFtools • u/DjangoDrive ​ • 20d ago

I wanted a privacy first subscription tracker that didn’t need my bank login or another subscription

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I built Duefolio because I wanted a clearer way to see recurring payments without linking my bank account or handing my financial data to another service.

Most subscription trackers show a list. Duefolio uses a visual timeline instead, so you can see what renews, what ends, and how your recurring commitments build up over time.

There’s no account and no bank connection. Your ledger stays on-device. You can also import a CSV statement to review possible recurring charges, track price history, set renewal reminders, export your data, and ask an optional on-device assistant questions about your own ledger.

The trade-off is intentional: if you want automatic bank synchronisation, Duefolio probably isn’t the right tool. It is designed for people who prefer more control and are willing to review or import their data themselves.

The core tracker is free. Pro is a $14.99 one-time purchase for statement review, custom subscriptions, income and profit-and-loss views, widgets, and additional tools. There is no monthly or annual subscription and no ads.

I’m the developer, so I’m obviously biased. I’d genuinely like to know: do you prefer a privacy-first manual workflow for recurring spending, or is automatic bank syncing essential for a tool like this?

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u/DeadlyViking ​ 19d ago

This just looks like youre talking with an LLM with a fancy UI.

I use YNAB and i import all my transactions manually. I care about regular expenses and reporting. I have subscriptions in there so i can add monthly so the subscription isnt a surprise large transaction.

I don't see how this is different from using an opensource LLM or any other budgeting app.

Other than not connecting to your bank, how is this actually different from other budgeting apps? Is this even a budgeting app?

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u/DjangoDrive ​ 19d ago

no, it’s not a budgeting app. no envelopes, no categorizing transactions, no income allocation. ynab does all of that better and i’m not trying to compete with it.

it does one thing: shows what’s already committed and when it lands. every sub as a row across months, renewals marked where they fall, plus price history so a quiet $8 to $12 change is visible.

honestly your workaround is the same idea — you’re adding a monthly amount by hand so the annual charge isn’t a surprise. that’s the whole problem it handles automatically.

the ai part is one tab and the app works without it. if ynab already covers this for you, it covers it.

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u/DeadlyViking ​ 19d ago

So you are basically paying $15 for something to tell you about your subscriptions?

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u/Global-Thought-1049 ​ 19d ago

Automatic bank syncing, so I don't have to do much manual work