Private Subscription Renewal and Mandate Review

• Review known subscriptions without importing statements
• Track renewal dates, notice periods, and safe payment labels
• Compare an older CSV for additions, removals, and price changes
• Create calendar reminders and an encrypted resume snapshot

• Manual service names
• Amount and billing cycle
• Renewal date, notice days, and safe payment label
• Prior planner CSV

• Monthly and annual cost
• Change comparison
• CSV review
• ICS reminders
• AES-GCM encrypted snapshot

• No bank file needed
• No account or silent browser save
• Use labels, not passwords or full card numbers

Why use this if I already have the Statement Analyzer?

Use this when the service list is already known or when a quick review should happen without touching a statement file.

Can this help family handoff?

Yes. Important services like phone, cloud storage, password manager billing, insurance apps, and work software can be documented later in the workbook.

Not every recurring cost starts as a clean subscription row. Some are app renewals, telecom plans, cloud storage, work tools, memberships, insurance apps, family services, software seats, learning platforms, or small services that are easy to forget. A normal calculator can add numbers, but it does not help the user decide which service is essential, which should be reviewed, which is a cancellation candidate, and which should be documented for a trusted family member.

This planner is built for that practical review. Users add a service name, amount, billing cycle, next renewal date, notice period, safe payment label, category, and decision. The browser converts weekly, monthly, quarterly, and yearly costs into monthly and annual equivalents so the real burn rate and next action are visible before renewal.

• Manual entry for users who do not want to upload a statement
• Currency choices for international use
• Weekly, monthly, quarterly, and yearly cycle conversion
• Keep, review, cancel-candidate, and family-handoff decisions
• CSV and ICS reminder exports generated locally
• Encrypted editable snapshots for no-account resume

The Statement Analyzer is stronger when the user has statement rows. The renewal planner is stronger when the user already knows the service list or wants to do a quick check from memory. Used together, they cover both sides of recurring money cleanup: detected payments from statements and intentional renewal review.

After a statement import, unknown or low-confidence rows can be manually checked against this planner. After a planner review, important services such as phone plans, cloud storage, password manager billing, insurance apps, business software, or family subscriptions can be added to the emergency workbook as monthly commitments or digital recovery notes.

• Use the planner first when statement upload is unnecessary
• Use the analyzer first when the user wants hidden payments discovered
• Move essential recurring services into the workbook manually
• Do not enter passwords, PINs, OTPs, CVV values, or recovery phrases

The planner keeps data in browser memory during the session and downloads local files only when the user chooses export. It does not need an account, bank login, bank connection, statement upload, server-side calculation, LocalStorage, or SessionStorage. An encrypted snapshot can be restored later, but a forgotten passphrase cannot be recovered.

The output is an organization aid, not financial advice. A service marked as a cancellation candidate should still be checked directly with the provider, especially if it supports family communication, business operations, device backup, insurance, healthcare, or account recovery.

• Use sample data first
• Review exported CSV files before storing or sharing
• Cancel or change services only after checking provider terms
• Keep emergency workbook notes practical and secret-free