Decision layer for subscriptions. No bank login.

Nothing renews
silently.

Prerenew catches every subscription renewal before it charges you, holds the decision, and asks one calm question: keep, pause, or cancel? Your money, your choice, every time. We never stop a charge for you.

Reminders arrive by email even if you never install the app. Your vault uses your country and currency — not a US default.

Catch. Hold. Choose.

Trackers show you charts. Banks show you what already left. Prerenew asks before it renews.

1. Catch

Renewals and trial conversions are spotted days ahead. Reminders at T-7, T-3, T-1 and on the day, capped at two a day, never in your quiet hours. Email is the channel you can count on; push is extra.

2. Hold

Watched items wait in amber until you have the bandwidth. We do not pay, block, or cancel anything. We hold the decision.

3. Choose

One question — did you use it? — then keep, pause, or cancel. Pause and cancel open a short playbook. You still finish with the provider.

Built to beat a tracker

Other apps list what you pay. Prerenew stops the silent renewal. No bank login, no store, no US-only catalog.

PrerenewManual trackersBank-linked apps
Decide before it chargesReview Gate: keep, pause, cancelA reminder, then you are on your ownA list of merchants
Bank loginNeverNeverRequired (Plaid / Open Banking)
Where it worksAny country, your currencyOften one store, one currencyHome market of the bank
Cancel for youNo — a playbook you finishNoSometimes, for a cut of savings
SetupThree names, or paste a statementTap every tileWait for transactions

The Review Gate

Renewals queue as decisions, one at a time. Keep is as honourable as cancel.

Trial rescue

Free trials get a countdown card when they dip under 48 hours.

Monthly reality number

One figure for what leaves this month, in your currency, plus a ledger of what you kept by choosing.

Pause is first-class

Amber holds instead of red alarms. “Not right now” is a valid answer.

Trusted tier

Subscriptions you already chose renew quietly. You only decide about the ones you asked to watch.

The evidence

Why a decision before the charge

Auto-renew is designed so people keep paying. Payment-network research shows that inattention roughly doubles seller revenue. We collected the studies behind Catch, Hold and Choose, and we say where the evidence is thin. Designed with ADHD and autistic adults; the same product for everyone.

Read the research

Auto-renew is the trap. Not you.

Create a vault, add three subscriptions, and the next renewal waits in amber until you choose. Free in beta. Export or delete any time.

Create your private vault

Or see the demo with sample data. No bank login. Same loop in every country.