An afternoon ↓ architecture v1.0 · 2026-07-17

Catch subscription creep before it hits your card

One box lists every subscription, its real price, and its renewal date — and warns you before a trial converts or a price jumps

Setup: An afternoon (~2-4 h) Running cost: $0-6/mo (software included) what it costs to run ↓ Time saved: saves ~0.3–0.6 h/week for the owner at 30 runs per month — basis After setup: You run it — enters new subscriptions, acts on the renewal warnings Data lives: Your server — Prices and renewal dates stay in your own database; only the alert leaves.

WallosDockerPersonal financeRemindersDashboards

Built for small businesses in general — not a sector list.

Paste it into your AI assistant — ChatGPT, Claude, Gemini, whichever you use. It first asks what tools you already have, then rebuilds this blueprint to fit them.

any AI platformno signupblueprint travels inside

Before you start

Twelve months of card and bank statements, to find the subscriptions you have already forgotten
Every subscription typed in once with its real price and renewal date — nothing is discovered automatically
A notification route that reaches you: SMTP through your own mailbox, or a phone push service
A machine that stays on, so the daily renewal check actually runs

What breaks first FAILS SILENTLY

the list going stale — a new tool gets signed up for and never entered. You are warned about the ones you tracked and blind to the rest; reconcile against a statement quarterly.

Version history

v1.0 · 2026-07-17 — First release, built on Wallos.

One private list of every recurring charge your business or household carries — with a nudge before a free trial converts, a price jumps, or a renewal you forgot about hits the card again.

The architecture

the same flow as text

      [ Your card & bank statements, one-time pass ]

      [ "your trial ends" / "price update" emails in your inbox ]

                      ▼▼

            [ Wallos (self-hosted, one Docker container) ]

                  ├─ every subscription: price, currency, category, renewal date

                  ├─ cron jobs check daily: upcoming charges, cancellations due

                  └─ optional: local Ollama scans for overlap ("3 note-taking tools")

                  ▼

            [ Telegram / Discord / email / pushover / gotify / webhook ]

      Renewal in 7 days, a price changed, or a trial is about to convert. You decide — keep, renegotiate, or cancel — before the card is charged, not after.

One small container holds the truth: every subscription your business or household carries, with its real price and the date it actually renews. Cron jobs — not a person checking a spreadsheet — do the daily watching and push a message to whichever channel you actually read. The one-time work is the manual pass through statements and inbox; everything after that is Wallos remembering so you don't have to.

Paste it into your AI assistant — ChatGPT, Claude, Gemini, whichever you use. It first asks what tools you already have, then rebuilds this blueprint to fit them.

any AI platformno signupblueprint travels inside

The problem

Subscriptions are designed to be forgotten. A free trial converts to paid on day 15. A tool nobody on the team opens anymore renews every January at a price nobody checked. A vendor quietly raises the monthly fee by a few euros — small enough that it never triggers a conversation, frequent enough that it adds up. Add a personal Netflix, a business Notion seat, a client's Canva plan, a domain renewal, and a dozen SaaS trials that "we'll cancel before it charges" — and by the time the annual card statement lands, nobody can say with confidence what's actually still needed. The commercial fix, Rocket Money, links to your bank account, charges a monthly fee, and takes 35-60% of whatever it saves you in the first year if it negotiates a bill down — a real cut of your own money, for doing something a plain list could do for free.

Tool choices — and why

Wallos

(GPL-3.0, 7.9k stars, active — latest release v4.8.4, 27/04/2026, 595 commits) is the whole stack. It's a single PHP+SQLite container purpose-built for exactly this: subscriptions with categories, multi-currency support (with optional free-tier Fixer.io conversion), a calendar view of what's due, and notifications across email, Discord, Telegram, Pushover, Gotify or a plain webhook — pick the one channel you'll actually check, not all six. It ships its own cron jobs for the parts that must run daily without you: next-payment dates, cancellation-window alerts, and (monthly/weekly) an "AI Recommendations" pass that can point at ChatGPT, Gemini, or a local Ollama instance — the free-first, on-prem option, and the one worth using if you don't want your subscription list, which is a fairly revealing map of your business, leaving your own network at all.

Why not a spreadsheet?

A spreadsheet doesn't message you. The entire value here is the daily check nobody has to remember to run — a list you have to remember to open is exactly the failure mode this replaces.

Why not Rocket Money or a similar app?

They're genuinely convenient, but the model is: link your bank (read access to every transaction), pay a monthly fee, and hand over a cut of any bill they successfully negotiate down. For a business, that's your entire transaction history sitting on a third party's servers in exchange for something a disciplined list plus reminders accomplishes without giving anyone read access to your account.

Monthly cost

Software: €0. Wallos runs comfortably alongside other small self-hosted tools on the same box — if you already run a VPS for another blueprint in this library (the password vault, the invoice chaser), the marginal cost is €0. Standalone, a small VPS runs €5-6/month. Currency conversion needs a free Fixer.io key; skip it entirely if you bill in one currency only.

Setup outline

1. Deploy Wallos via the official Docker image or docker-compose file, with the db and logos folders mounted to a persistent volume.
2. Add the cron jobs listed in the project's own documentation — next-payment updates, exchange-rate refresh, cancellation notifications, standard notifications, update checks, yearly-cost totals, and the AI recommendation pass. These seven lines are what turn a static list into something that actually watches.
3. Do the one manual pass that makes the whole thing honest: pull the last 12 months of card and bank statements, search your inbox for "your subscription", "your trial", "price update" and "renewal", and enter every hit with its real price and next renewal date — not what you think you pay, what the statement says.
4. Pick one notification channel in Settings and turn the rest off. If you already run a Telegram bot for another blueprint in this library, point Wallos at the same bot — one place to check, not five.
5. If you run a local Ollama instance, point the AI Recommendations feature at it instead of a cloud key — it flags overlapping tools and stale trials without any of your subscription data leaving your network.
6. Set a recurring 15-minute quarterly calendar block: open the "next 90 days" view and actually decide keep, renegotiate, or cancel for anything on it — the reminder only works if someone reads it.

Pitfalls — the real ones

The manual first pass is the only step that isn't automated, and skipping it defeats the entire point

A tracker with 4 subscriptions logged while 20 renew silently in the background does nothing. Budget a real hour for the first pass, not fifteen minutes.

A notification channel you snooze is a notification you've disabled

Pick the one channel you open daily anyway. Four channels you check never is worse than one you check always.

Annual plans hide the pain by design

A renewal 11 months out reads as irrelevant the day you subscribe and enormous the day the card is charged. Set the reminder window wider for annual plans — 30 days out, not the default that suits monthly billing.

GPL-3.0 is not a concern for internal use

Copyleft obligations trigger on distributing modified code publicly — running Wallos privately for your own business or household carries no such obligation.

The AI recommendation feature calls an external API unless you point it at local Ollama

A list of every tool your business pays for is a small but real information leak — check that setting once, deliberately, rather than by default.

This replaces the tracking, not the decision

Wallos will tell you a renewal is coming. Whether to keep, cancel, or renegotiate that line is still a human call — the quarterly calendar block in step 6 is where the actual saving happens, not the dashboard itself.

Verified repos

Wallos — GPL-3.0, 7.9k stars, active (latest release v4.8.4, April 2026)

Get the next blueprint as it publishes — free, practical, verified tooling only.

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What this costs to run

Priced as Extract fields from a document — one OCR'd page; output is a JSON record of 8-20 fields. one run per billing email or statement line. Adjust the volume to yours; the bill is a range because the assumptions are ranges.

Runs per

Model	$/day	$/month	Reasoning

Cheapest eight shown — straight per-token arithmetic on list prices: no caching, no batch discount, thinking tokens bill as output. All models + every assumption in the full explorer →
Capability & cost data: Artificial Analysis