Every subscription, contract, and warranty — tracked automatically.

Scan a receipt, a contract, or a confirmation email. terma's AI reads it and fills in the price, the renewal date, and the cancellation terms — no bank login, ever.

Get it on Google Play

Free to start · no card required

terma dashboard showing this month's fixed costs, upcoming deadlines, and spending by category

Scan it. The AI fills it in.

Photograph a contract, a receipt, or a confirmation email and every field lands in place — the provider, the price, the notice period. No manual data entry.

terma reading an energy contract and automatically filling in the name, price, and notice period

Never miss a notice period.

terma counts down to the last day you can still cancel, with real lead time to act — not a same-day notice buried in an inbox you don't check.

terma's list of upcoming renewal and cancellation deadlines, grouped by how soon they fall

Cancel it. Correctly.

Correct wording, correct dates, ready to send — matched to the rules that apply where you live.

A cancellation letter drafted by terma, with the correct wording and dates, ready to send

No bank login. Ever.

Other trackers want ongoing access to your bank account. terma never asks — it only ever sees the documents you choose to scan.

terma's privacy screen: no bank login required, everything stays on your phone

See where it all goes.

Every fixed cost, split by category, so the number you're actually committed to spending is never a guess.

terma's yearly spending broken down by category: energy, telecom, insurance, streaming, and more

Same thing, cheaper plan.

terma spots when a cheaper version of what you already have exists — a lower tier, a shared plan, a better deal. You decide whether to switch.

terma suggesting cheaper equivalent plans for Netflix, Spotify, and iCloud, with the savings shown

Free, Plus, and Pro

Every tier gets the core reminder and cancellation-letter system. A 3-day free trial on Plus and Pro, cancel anytime.

Free
$0
forever
  • 3 items tracked
  • 2 AI scans a month
  • Reminders & cancellation letters
Plus
$4.99
every 4 weeks · no ads
  • 5 items tracked
  • 3 AI scans a month
  • Reminders & cancellation letters
Pro
$9.99
every 4 weeks · no ads
  • Unlimited items tracked
  • 20 AI scans a month, best model
  • Bank statement import
  • Sync across devices & web

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Know what you pay. Know when to act.

Add your first subscription or contract in under two minutes — free, no card required.