When you first open Subskuy, you'll be guided through a simple setup:
After onboarding, configure these settings:
Your financial command center. Get a real-time snapshot of your financial health, upcoming bills, and spending patterns.
Shows your "Safe-to-Spend" amount—how much money you have after accounting for all upcoming committed expenses.
Tap the info icon (ℹ️) for a detailed breakdown of total balance, committed funds, and safe-to-spend amount.
Visualizes your monthly spending rate and how long your money will last at your current pace.
Get personalized, humorous insights about your spending habits powered by AI analysis.
Switch between overview and transaction list views:
The proven budgeting strategy that divides your income into three categories:
Essential expenses like rent, groceries, utilities, insurance
Entertainment, dining out, shopping, hobbies
Investments, emergency fund, debt repayment
💡 Pro users can adjust the percentage ratios to match their lifestyle
Track all your recurring payments including streaming services, software subscriptions, gym memberships, installment plans, and recurring bills.
Best for: Standard monthly/yearly services (Netflix, Spotify, Adobe, etc.)
Best for: Fixed-term payment plans (Klarna, Afterpay, phone financing, etc.)
Best for: Utilities, credit card payments, variable subscriptions
💡 TIP: Can't find a template? Create custom and it saves for future use.
Record every financial movement—expenses, income, and transfers between accounts.
Tap the filter icon to narrow results by:
Manage all your financial accounts in one place—bank accounts, cash, credit cards, and digital wallets.
| Type | Description | Balance |
|---|---|---|
| Bank | Savings or checking account | Positive |
| Cash | Physical cash on hand | Positive |
| Credit Card | Credit accounts | Outstanding debt |
| E-Wallet | Digital wallets (GoPay, OVO, etc.) | Positive |
Transfers move money between accounts without affecting your total net worth.
Automatically track regular income like salary, freelance payments, or investment dividends.
💡 The app auto-generates income transactions based on your schedule
Track money you owe to others (debts) and money others owe you (receivables). Never forget to pay back or collect payments.
(Money You Owe)
(Money Owed to You)
💰 Recording Payments: Open any debt/receivable → Tap "Record Payment" → Enter amount → The remaining balance updates automatically
A visual calendar showing all your payment due dates. Plan ahead and never miss a payment.
💡 TIP: Check the calendar at the start of each week to plan ahead
Subskuy supports 150+ currencies with automatic exchange rate updates:
Smart payment reminders ensure you never miss a bill. Get notified before payments are due with customizable timing.
Subskuy uses a "Local First" approach. This means:
Pro users can optionally sync data to their personal cloud storage:
⚠️ Files are encrypted and stored in YOUR account, not ours.
🔒 IMPORTANT: If you uninstall the app without cloud sync enabled, your data is permanently lost. We cannot recover it because we never had it.
Protect your financial data with multiple lock options:
Enable in Settings → Security → App Lock
Never miss a payment by syncing subscription dates to your calendar:
Export all your data to CSV for analysis in Excel, Google Sheets, or any spreadsheet app:
The CSV includes subscriptions, payment schedules, transactions, categories, and accounts.
Everything in Free, plus:
Still have questions? We're here to help:
💬 Check our FAQ page for common questions and answers!