Subscriptions and fixed costs

Subscription Manager: Amaru

Finance

ReleasedJuly 16, 2026 · v1.0

See the money that is supposed to stay fixed.

Turn rent, insurance, annual bills, and subscriptions into one calm Safe to Spend forecast.

Download on theApp StoreFree download on the App Store

Quick summary

Bring fixed costs, annual bills, and subscriptions together, then see one forecast for what you can safely spend this month.

Amarusubscription managerfixed costs

Learn more, then try it

Read the guideHow to Review Your Subscriptions: A Step-by-Step Checklist to Cut Fixed Costs Get the free templateSubscription Audit Sheet

Screens

Monthly Safe to Spend

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Download on theApp Store

Overview

Amaru brings fixed costs and subscriptions into one place and turns them into one number: what you can safely spend.

Annual charges are converted into a monthly reserve, while planned-cost calendars, weekly check-ins, and subscription review keep the forecast useful without bank or card linking.

Features

Safe to Spend

Forecast what remains after income, fixed costs, savings, and annual charges.

Planned costs

See upcoming charges and keep the forecast current with a short weekly check-in.

Subscription review

Sort subscriptions into Keep, Review later, or Cancelled and see potential savings.

When to use it

Understand your total fixed monthly costs
Prepare for annual bills before a heavy month
Know your spending room without daily expense tracking

Guides

Related guides

家計・サブスク7 min read

How to Review Your Subscriptions: A Step-by-Step Checklist to Cut Fixed Costs

Take stock of the subscriptions you pay for, weigh each one by how often you use it and what it costs, and gradually bring your fixed monthly costs down.

Read article

Templates

Related templates

ExcelPDF

Subscription Audit Sheet

Write down each service name, monthly or yearly cost, renewal date, and usage on a single page so you can decide what to keep and what to cancel.