Client: Ainovaty (Internal Product)
Subracker
A subscription tracking and personal finance app that gives you a clear picture of what you're paying, when, and whether it's worth it — with smart matching, multi-currency budgets, and renewal alerts.
The problem
Subscription fatigue is real. The average person underestimates their monthly subscription spend by 2–3x. Charges trickle in across different cards, different dates, different currencies — and most people have no idea what they're actually paying until the annual renewal hits.
Subracker is our answer: a dedicated app for tracking every recurring charge, budgeting against it, and never being surprised by a renewal again.
What it does
Subscription tracking is the core. Users add their subscriptions — or let the app detect them from connected bank transactions — and see everything in one place: status (active, paused, cancelled, expired), billing cycle, next renewal date, trial end dates, and price history over time.
Smart transaction matching ties bank imports to known subscriptions automatically. The matching engine uses both rule-based pattern matching (provider aliases against transaction descriptions) and an ML confidence score, so Netflix showing up as "NETFLIX.COM" on your statement gets matched without any manual mapping.
Multi-currency support handles the reality that people pay for software in USD, EUR, GBP, and beyond. Exchange rates are fetched and stored per user, and all spending aggregates are normalised to a home currency.
Budgeting is flexible by design — set spending limits by calendar week, month, quarter, year, rolling X days, or a custom date range. Budgets have line items per category, version history so you can see how your limits have changed, and pre-aggregated daily and monthly spending buckets for instant dashboard queries.
Reminders let users set multi-channel alerts (push notification, email, SMS) ahead of any renewal — configurable lead time, delivery tracking, and per-subscription control.
Double-entry accounting is available for power users who want a full journal — debit/credit lines, audit logs with before/after snapshots, and transfer groups for moves between accounts.
The data model
The finance schema is one of the most thorough we've built: 28 models covering subscriptions, plans, providers, transactions, categories, tags, accounts, payment methods, currencies, exchange rates, budgets, journal entries, reminders, and pre-aggregated analytics tables. Every primary key is a UUID, every change is timestamped, and the audit log captures full before/after JSON for every mutation.
Where it stands
The backend schema and API modules are complete and production-ready — the finance schema lives inside the Platform API and is fully integrated with auth, notifications, and file uploads. The React Native mobile app is in active development. The architecture is designed to support both a consumer mobile app and a SaaS web dashboard from the same API surface.