Two people, two cards, and one service you are both paying for
Couples do not overspend on subscriptions because either person is careless. They overspend because two separate cards are funding overlapping services and nobody has ever seen both lists side by side.
The short version
- 01Duplicate paying is the common case, and it is invisible until both lists are in one place.
- 02Assign an owner to every subscription so the person paying is explicit.
- 03Per subscription currency, useful when partners bank in different countries.
- 04Free covers 30 subscriptions and 2 household members, which is exactly one couple.
The duplicate you cannot see
One of you pays for the music family plan, the other kept their individual account from before. One pays yearly, one monthly, so the charges never appear in the same month and the overlap never surfaces. Putting both lists in one account is the entire fix.
Owner is not the same as user
Recurno separates who pays for a subscription from who uses it, on purpose. That distinction is what makes a duplicate family plan visible, and it is what lets you settle up fairly without arguing from memory.
- Owner shows whose card the charge lands on
- Assigned users show who actually watches, listens or uses it
- Spend grouped by person, so the split is a fact rather than a guess
- Renewal warnings before the charge, to either of you
Different banks, different currencies
If one of you pays in euros and the other in pounds, Recurno keeps them apart. Totals are grouped per currency instead of invented at an exchange rate that would be wrong by the time you read it.
Frequently asked
01Do we both need an account?+
No. One account holds the shared picture, and the other person is added as a household member so subscriptions can be assigned to them. The free plan includes 2 household members, which covers a couple.
02How do we find what we are paying for twice?+
Add both lists to the same account and assign an owner to each subscription. Overlaps become obvious immediately, and the usual offenders are music, streaming and cloud storage.
03Can we split the cost of shared plans?+
Recurno shows spend grouped by owner so you can see what each person funds. It does not move money between you: it gives you the numbers to settle up with.
Next step
See both lists in one place
Free for 30 subscriptions and two household members.