One File · Powerful money tracker
Track it.
Own it. Cancel it.
A subscription audit in one HTML file. Every recurring charge in one list — annual cost, free-trial countdown, last-used date, and the calculator that tells you exactly what cancelling the optional ones would save. No bank login. No subscription.
One payment · Yours forever · 14-day refund
- Works fully offline
- Installs as an app (PWA)
- No account, ever
- Yours, forever
Loads once, never needs the internet again. On a plane, in a basement, in a foreign hotel.
Every entry, every chart — stored locally. We never see it. We can't.
No subscription. No upgrades. No re-up next year. One file, yours.
Why audit
Why a £2.99 monthly is the most expensive £2.99 you'll ever pay.
The bank-reading apps are good at showing you the spend. They're terrible at the cancel decision — because the friction is what they sell. SubTrackr makes the cancel a one-tap, no-friction default.
Annualised numbers change minds.
£17.99 a month feels cheap. £215.88 a year feels like a holiday. The home-screen reveal converts the small monthly figure into the actual yearly figure — and the cancel decisions get easier.
Last-used dates flag the subs you forgot you had.
If Calm hasn't been opened since January and Headspace is doing the same job, the cancel-candidates list says so. Quietly, without nagging.
The free-trial countdown saves you from yourself.
Two trials ending in the next seven days, each £14.99/mo. The countdown screen is the prompt that beats your future self forgetting.
What-if-I-cancel is a calculator for negotiation with yourself.
Tick three optional subs, see the saving — £46.64. Often that's the answer to 'should I keep paying for the gym membership I'm not using?'
Netflix, Spotify, ChatGPT, Disney+, gym, VPN…
what 20 active subs really cost / year
no recurring fee, ever
audit on the bus
Inside the file
Seven things you'll use every audit. Plus a dozen more for the long game.
One file. One annual-shock number. Every feature a serious subscription tracker should have — without the bank login, the seat licence, or the £2.99/month tax on tracking your £2.99/months.
Annual-shock banner
Home-screen reveal of what your subs cost per year. The number that drives the cancel decisions.
Free-trial countdown
Every active trial sorted by how soon it auto-charges. The 'cancel before billed' prompt.
Cancel-candidates
Auto-flagged when last-used is 90+ days ago. The quiet nudge to clear out the inactive ones.
What-if-I-cancel
Tick the optional subs, see the saving. Calculator for the conversation you have with yourself.
Audit mode
A focused decision pass through every sub — keep / cancel / pause / share — one at a time.
By-category insights
Entertainment £540/yr, AI £380/yr. The shape of where the bill goes.
Charts
Monthly spend curve, by-category donut, by-status breakdown — visual confirmation of the numbers.
Offline, always
Loads once, runs forever — your sub list isn't going anywhere.
Installs as a PWA
Add to home screen — opens like any native app.
JSON / CSV in & out
Bring 50 subs from a spreadsheet. Take everything with you. No lock-in.
No account, ever
No email, no signup, no analytics, no third-party tracking.
Multi-currency
10 currencies supported. Per-sub currency, normalised in your default.
Light + dark
Auto-follows the system. Or pick one and stick with it.
Overview
The annual-shock screen.
20 subs × £19/£15/£8/£5 a month = £2,759.66 a year. The number nobody adds up until they have to. Surface it on the home screen and the cancel decisions get easier.
- Annual-shock banner — what your subs really cost per year
- Monthly + yearly spend tiles (across every cycle)
- Trials ending soon (next 7 days) — decide before they auto-charge
- Bills due soon (next 7 days) — no surprise card hits
- Subscription-creep score — how the total has grown over time
Subscriptions
Every recurring charge, in one list.
Netflix, Spotify, ChatGPT, Claude, Disney+, Amazon Prime, iCloud, gym, VPN, the trial you forgot — all one screen. Annual cost beside each. Status, category, last-used date, and the URL to manage or cancel.
- Name, cost, billing cycle (weekly / monthly / quarterly / yearly / custom)
- Category — Entertainment, Music, Cloud, AI, Fitness, News…
- Status — active / trial / shared / paused / cancelled
- Last-used date — the data that drives the cancel-candidates list
- Notes, ratings, the manage / cancel URL one tap away
Free trials
Decide before the £14.99 lands.
Every active free trial in one list, sorted by how soon it auto-charges. The countdown that prevents the 'oh, I forgot to cancel' tax.
- Trial end date + countdown to first charge
- What it'll cost / month + year if you keep it
- One tap to mark cancelled — sub moves to the cancelled archive
- Per-trial notes — 'used twice, not worth it'
Insights
Where the money's actually going.
By-category leaderboard. Most expensive subs. Cheapest. Optional vs essential. The numbers that turn a vague 'I should cancel some of these' into a specific list.
- By-category spend — Entertainment £540/yr, AI £380/yr, Cloud £180/yr
- Cancel-candidates — flagged when last-used is 90+ days ago
- Most-expensive top 5 (annualised)
- Shared / family-plan flags — find the ones a flatmate could split
How it's different
What you give up vs. bank-reading apps. An open-banking handshake. And a startup that knows your salary.
Compared with Plaid-powered subscription managers.
- Pricing modelPay once · $6.99£8 – £15 / month, forever
- Bank login requiredNoYes
- Subscription to useNoYes
- Annual-cost revealYesvaries
- Free-trial countdownYesNo
- Last-used / cancel candidatesYesNo
- What-if-I-cancel calculatorYesNo
- Data stays on your deviceYesNo
- Survives the bank-API shutting downYesNo
The promise
Your subscriptions are yours.
So is the list of them.
Offline, always
Open it once, never need the internet again. The file holds the whole app.
Local-first storage
Every entry stored in your browser, on your device. No server sync. No leaks. Nothing to breach.
One payment, forever
No subscription, no upgrade tier, no nag. If we shut down OneFileClub tomorrow, your file keeps working.
Every view, light and dark.
A look at every screen across both themes — your tracker, populated.
Questions
Real answers, no fine print.
Why isn't this a subscription itself?+
Look — it would be funny in a sad way. £2.99 a month to track your subscriptions. Then it's on the cancel-candidates list of someone else's tool. We took the one-payment fork on principle.
Does it auto-detect my subscriptions from my bank?+
No. There's no bank login, no Plaid handshake, no email scraping. You add them yourself — which sounds like more work, but it's the work that creates the awareness. The 'oh, I'd forgotten about Calm' moment IS the value.
How does the annual-cost reveal work?+
Every sub is normalised to an annualised number, regardless of cycle. Weekly × 52, monthly × 12, quarterly × 4, yearly × 1, custom every-N-days. Then summed across active subs. The shock-banner number is honest.
Multi-currency?+
Yes. Pick a default currency (GBP, USD, EUR, CAD, AUD, NZD, JPY, SGD, INR, CHF). Subs in other currencies are tracked at the rate you enter — no live FX, no surprise rounding.
Can I share the file with a partner / flatmate to coordinate cancellations?+
Yes — JSON export, send the file, they import. Or both work in the same file from the same browser. There's no live sync (that's the trade-off for the no-cloud promise) but the conversation about which subs to cancel is a one-shot, not a daily one.
Where is my data stored?+
Locally, in your browser, on your device. Nothing is sent to OneFileClub or anyone else — there is no account, no cloud sync, no analytics.
Does it work offline?+
Yes. Once your personalised copy loads the first time, the entire tracker runs from a single HTML file. Airplane mode is fine.
Does my data sync between phone and desktop?+
No automatic sync — that's the trade-off for being local-first and account-free. Everything stays on the device you logged it on. To use the same tracker on both phone and desktop, use the built-in JSON or CSV export on one device and import on the other when you want to bring them in step. Most users settle on one device as their primary.
What does 'personalised copy' mean?+
When you buy, OneFileClub stamps a private copy with your licence and deploys it to a unique URL just for you. You bookmark it, install it as an app, or save the file — and the file is yours, even if OneFileClub disappears tomorrow.
What is your refund policy?+
14 days, no questions asked. Email us, we'll process it and disable your private URL.
One payment.
A subscription tracker that isn't one.
We'll personalise a copy and email you a private link. Bookmark it, install it as an app, run today's audit pass.
14-day refund · No subscription
