Recurring Detection

Cadence quietly watches your transaction history for patterns that look recurring. When the same merchant charges you a similar amount on a regular cadence - weekly, biweekly, monthly, bimonthly, quarterly, or yearly - it gets flagged as a candidate. The detector looks at three signals together: merchant name, amount stability, and the spacing between charges. A coffee shop you visit five times a month won’t qualify because the cadence is irregular, but a $14.99 streaming charge that lands on the same day each month will.

Detection runs in the background as new transactions arrive, so you don’t need to trigger anything manually. Patterns become more confident over time. A single match isn’t enough - Cadence waits until it has seen the same charge at least a couple of times before surfacing it.

Most of the everyday recurring charges that drift in and out of your statements show up here. Common examples include:

1. Streaming subscriptions like Netflix, Spotify, and Disney+.
2. Software and cloud services such as iCloud, Google One, and Dropbox.
3. Gym memberships and fitness apps.
4. Utilities including hydro, internet, and mobile bills.
5. Insurance premiums billed monthly or yearly.
6. News, magazine, and meal-kit subscriptions.

One-off purchases, variable bills with wildly different amounts each month, and transfers between your own accounts are filtered out so they don’t clutter the suggestion list.

Detected patterns appear in two places. On the Budget page, the Bills section shows a “Suggested Bills” banner grouping the recurring charges Cadence has spotted so they’re easy to triage. You’ll also see them surface in the “Suggestions” widget on your dashboard, so a new subscription that started this month is easy to catch.

For each suggestion you can accept it, dismiss it, or open it to tweak the details first. Dismissed suggestions won’t come back for the same merchant, so it’s safe to clear out anything that isn’t a real recurring charge.

The fastest way to act on a suggestion is the Review & Add button. One tap opens the suggestion with the merchant name, amount, frequency, and next due date pre-filled from the pattern Cadence observed. You can adjust anything before confirming, and once added the bill shows up in the Upcoming Activity widget on your dashboard, in your cash flow forecast, and in any reminders you’ve enabled - usually without you having to type anything.

Once a suggestion is converted, future charges from that merchant are automatically matched to the bill so your forecast stays accurate without any extra work.

The numbers Cadence detects are a starting point, not a fixed contract. After conversion you can open any bill to adjust the frequency (Weekly, Biweekly, Twice Monthly, Monthly, Quarterly, or Yearly, with Custom for anything else, such as every four weeks), the due day, the expected amount, and the category. This is useful for bills that step up at renewal, services that switch from monthly to annual billing, or any case where the bank’s reported merchant name needs to be cleaned up.

Editing a converted bill won’t affect the historical transactions it was based on. Past charges keep their original details and stay linked to the bill for reporting purposes.

Forgotten subscriptions are one of the most common sources of unexplained spend. Reviewing detected recurring charges every month or two is the fastest way to catch the gym you stopped going to, the streaming service you signed up for during a trial, or the duplicate cloud storage plan you forgot you had. It pairs naturally with synced accounts, which feed the detector with fresh transactions automatically.