Your subscriptions, audited on your phone.
ProactiveAgent reads your bank or card statement locally, surfaces every recurring charge, and helps you cancel what you don't use. No bank linking. No account inside the app.
iPhone, iOS 26 or later. Free to install. Optional one-time Pro Unlock.
Your statements never leave your phone.
- No bank linking. We never ask for your banking credentials.
- No account, no login, no cloud sync inside the app.
- Zero analytics or tracking SDKs.
- AI advisor runs locally with Apple Intelligence on supported devices.
- One outbound request: daily exchange rates from the European Central Bank.
- Your statements stay on your phone, encrypted at rest by iOS.
The exchange-rate request hits a public European Central Bank API and contains no personal information; like any web request, your IP address may be logged by the rate provider. Pro purchases and tips are processed by Apple via the App Store and are linked to your Apple ID — the app itself does not create or sync an account.
Three steps. No accounts.
From statement import to cancellation, the whole loop happens in your pocket.
Import a statement
Drop in a CSV or PDF from your bank or card. The app parses it on your phone — nothing is uploaded.
See every recurring charge
Subscriptions, overlaps, price hikes, and forgotten free trials are surfaced in one view.
Cancel the waste
Each suggestion comes with the cancel link and a one-tap "I did it" log so you can watch the savings add up.
See your subscription footprint at a glance.
The Subscriptions tab groups every recurring charge by category, flags duplicates, and surfaces price hikes that snuck in last month.
A queue of high-value moves you can actually act on.
Each action card explains the why, links to the cancellation page, and tracks how much you've saved when you confirm 'I did it.'
A savings tracker that's honest about your wins.
Confirmed cancellations and downgrades roll into a personal savings ledger. No fake projections — just what you actually changed.
Ask anything. Nothing gets sent to a server.
The advisor uses Apple Intelligence on supported devices to answer questions about your own subscriptions — "what am I paying for streaming?" or "which renewal is next?" — without sending your data anywhere.
Works in airplane mode. The model lives on your phone.
The advisor offers suggestions, not financial advice. Always confirm details directly with your service providers before cancelling.
Ten languages. Every major currency.
English, Spanish, Simplified & Traditional Chinese, Korean, Japanese, Hindi, Bahasa Melayu, Brazilian Portuguese, and Arabic. Subscriptions display in their native currency, with totals converted to your home currency using daily ECB rates.
Mix USD, MYR, EUR, JPY and more. Set manual rates for currencies the ECB doesn't cover.
Pay once. Or don't.
Either way you own the app. No subscriptions for the privilege of using it.
Free
Everything you need to start auditing.
- Track your subscriptions and renewals
- Manual entry + unlimited CSV statement import
- Privacy-first design, fully offline
- 10 languages and multi-currency display
- AI advisor — 5 messages per day
- CSV export of your subscription list
Pro Unlock
PDF imports, unlimited advisor chat, every alternative, and full JSON export.
- PDF statement import (CSV is free for everyone)
- Unlimited AI advisor conversations
- Every alternative for overpriced subs, not just the first
- Full JSON export with savings history and chat
Optional Tip Jar (Coffee, Lunch, Dinner) lets you pay more if the app pays for itself. Purchases handled by Apple via the App Store.
A few quick answers
Do I have to link my bank?
No. The app never connects to your bank. You import a statement file when you want a fresh sweep.
Is my financial data safe?
It never leaves your phone. There is no server-side database, no cloud sync, and no third-party analytics.
Is this a subscription?
No. The Pro Unlock is a one-time $9.99 purchase via the App Store. There is also a free tier.
The audit you keep meaning to do.
Install ProactiveAgent. Import one statement. See what you've been paying for.
Made in Malaysia by Darkly Energized LLC. Apple, the Apple logo, App Store, and Apple Intelligence are trademarks of Apple Inc., registered in the U.S. and other countries.