# Skycopia

> Skycopia connects to your bank, finds every subscription and recurring charge, and shows you exactly what to cancel — a free audit, no credit card required.

## Product

- [Skycopia — Find & Cancel Unwanted Subscriptions](https://skycopia.com/): Connect your bank and Skycopia finds every subscription and recurring charge — price creep, duplicates, forgotten trials. Free audit, no credit card.
- [Features](https://skycopia.com/features): The audit deck, price-creep signals, cadence intelligence, cancelled-subscription guarding, and a household that decides together — see every feature.
- [Pricing](https://skycopia.com/pricing): The subscription audit is free forever. Paid tiers add Sky's watching and protection, and unlock every beta feature.
- [About](https://skycopia.com/about): Built after Mint shut down and nothing else came close. One user's own audit found $19,207/yr in waste — the story behind the subscription killer.
- [See a Sample Audit](https://skycopia.com/demo): See exactly what Skycopia surfaces on a fully worked subscription audit using sample data — no signup, no bank connection, no waiting required.
- [How to Find Every Subscription You're Paying For](https://skycopia.com/find-subscriptions): A step-by-step guide to find every subscription you pay for — iPhone, Android, and (what Settings can't show) the ones billed straight to your card.
- [Security](https://skycopia.com/security): Exactly what Skycopia can and can't access when you connect a bank: read-only transactions via Plaid, no credentials, no money movement, no selling data.

## Features & Money Routines

- [Monthly Smart Report](https://skycopia.com/features/monthly-report): A monthly report of your money that writes itself: what's new, what changed, what needs a decision — built from your real transactions, not manual logging.
- [Weekly Digest Email](https://skycopia.com/features/weekly-digest): A weekly email that tells you what your money did: spending, income landed, new recurring charges, and anything that needs attention — without opening a dashboard.
- [Cash-Flow Reporting](https://skycopia.com/features/cash-flow): Money in vs money out across every connected account, over time — see whether a month actually ended ahead or behind, and why.
- [Income Tracking](https://skycopia.com/features/income-tracking): Income watch separates recurring pay from one-off deposits so you know exactly what landed and when — and notice when a paycheck doesn't arrive.
- [Net-Worth Tracking](https://skycopia.com/features/net-worth): Your whole balance sheet in one number that updates itself: bank, card, and investment balances across every connected account.
- [The Monthly Money Review](https://skycopia.com/monthly-money-review): A step-by-step monthly finance check-in checklist — income, recurring charges, price hikes, category drift, upcoming annual bills — and how to automate most of it.
- [The 10-Minute Weekly Money Check-In](https://skycopia.com/weekly-money-checkin): A sustainable weekly money routine that takes ten minutes — what to look at, what to skip, and how a weekly digest email does the gathering for you.
- [See All Your Spending in One Place](https://skycopia.com/spending-report): How to build a complete spending report across every bank and card — export options, their gaps, and how a read-only bank connection does it automatically.

## Compare to Alternatives

- [Skycopia Alternatives Comparison](https://skycopia.com/alternatives): See how Skycopia's free subscription audit compares to Mint, Rocket Money, YNAB, Copilot Money, and Monarch — pricing, platforms, and cancellation help.
- [Rocket Money Alternative](https://skycopia.com/rocket-money-alternative): Before you pay for Rocket Money, run a free subscription audit. Skycopia shows every recurring charge and the cancel steps — no card, no cut of your savings.
- [Mint Alternative](https://skycopia.com/mint-alternative): Mint shut down and Credit Karma dropped budgeting. Skycopia is a free subscription audit — bank detection, cancel playbooks, and re-charge protection.
- [YNAB Alternative](https://skycopia.com/ynab-alternative): Looking for a YNAB alternative? Skycopia runs a free subscription audit — no $109/yr fee, bank-level detection, and cancel playbooks YNAB doesn't have.
- [Copilot Money Alternative](https://skycopia.com/copilot-money-alternative): Looking for a Copilot Money alternative? Skycopia runs a free subscription audit — no $95/yr fee, works on Android, and gives you real cancel steps.
- [Monarch Money Alternative](https://skycopia.com/monarch-money-alternative): Looking for a Monarch Money alternative? Skycopia runs a free subscription audit — no $99.99+/yr fee, real cancel steps, plus re-charge protection.

## Free Calculators & Tools

- [Subscription Cost Calculator](https://skycopia.com/subscription-calculator): Add up what you really spend on subscriptions — Netflix, Spotify, gym, storage, and the rest — and see the monthly, yearly, and 5-year total cost.
- [Streaming Cost Calculator](https://skycopia.com/streaming-cost-calculator): Add up what you really spend on streaming — Netflix, Hulu, Max, and more. See your monthly, yearly, and 5-year total, then find forgotten charges.
- [Duplicate Subscription Checker](https://skycopia.com/duplicate-subscriptions): Two music apps? Two streaming bundles? Tick what you pay for and see instantly where you're paying twice — and exactly how much dropping extras saves.
- [Free Trial Reminder](https://skycopia.com/free-trial-reminder): Enter when your free trial started and how long it runs, and see the exact day it turns into a paid charge — then get a reminder before the money moves.
- [Subscription Price Increases](https://skycopia.com/price-hikes): The subscriptions that quietly raised prices on you — Netflix, Disney+, Spotify, Adobe — the old price, the new price, and the yearly cost added.
- [3 Paycheck Months in 2026](https://skycopia.com/3-paycheck-months-2026): Which months have 3 paychecks in 2026? It depends on your payday. Enter your last biweekly payday to see your 3-check months — and if you get 26 or 27 checks.
- [How Many Paychecks in 2026?](https://skycopia.com/how-many-paychecks-in-2026): Biweekly: 26 paychecks in 2026 — or 27 if your first check lands Jan 1. Weekly: 52 or 53. Semimonthly: 24. Monthly: 12. Check your exact count and schedule.
- [Paycheck Budget Calculator](https://skycopia.com/paycheck-budget-calculator): Free budget-by-paycheck calculator: enter your take-home and monthly bills, see which bills each biweekly check covers and what's left over. No spreadsheet needed.
- [Which Bills Come Out of Which Paycheck?](https://skycopia.com/which-bills-come-out-of-which-paycheck): Paid biweekly but billed monthly? Map every bill to the paycheck that covers it with the free mapper — or connect your bank and see which bills hit before payday.
- [HSA Receipt Tracker](https://skycopia.com/hsa-receipt-tracker): Playing the HSA long game? Scan your bank history for forgotten medical spending, rebuild your receipt list, and protect years of tax-free reimbursements. Free.
- [FSA Deadline Scanner](https://skycopia.com/fsa-deadline-scanner): FSA money expires — but before you panic-buy, scan your last 12 months of bank history for FSA-eligible purchases you already made and never claimed. Free.
- [Find Unsubmitted Work Expenses](https://skycopia.com/find-unsubmitted-work-expenses): Bought things for work on your own card and never claimed them back? Scan your bank history, surface the reimbursable purchases, and build a list to submit. Free.

## Guides

- [How to Dispute a Charge](https://skycopia.com/dispute-a-charge): Charged twice, after cancelling, or don't recognize a charge? The exact dispute process — merchant or bank first, evidence to gather, and your deadline.
- [The Rocket Money Negotiation Fee, Explained](https://skycopia.com/rocket-money-negotiation-fee): Rocket Money's bill negotiation charges 35–60% of your first year's 'savings' — billed upfront. How the fee works, why users are surprised by it, and how to negotiate or cancel bills yourself for free.
- [The ADHD Subscription Tax](https://skycopia.com/adhd-subscription-tax): Forgotten free trials, zombie subscriptions, auto-renewals you meant to cancel — the 'ADHD tax' in subscription form. Why reminders don't work, and a way out that doesn't depend on remembering.
- [Cancelling a Deceased Family Member's Subscriptions](https://skycopia.com/subscriptions-after-death): A practical checklist for finding and cancelling a deceased family member's subscriptions: where to find them all at once, who to contact, what banks can stop, and when it's an executor's job.
- [The Most Forgotten Subscriptions](https://skycopia.com/most-forgotten-subscriptions): People guess they spend $86/mo on subscriptions; the real number is $219/mo. Here are the 12 most commonly forgotten ones, ranked by real survey data, and how to find every one you're paying for.

## Cancellation & Billing Guides (data-backed, per-merchant)

- [Cancellation guides](https://skycopia.com/cancel): step-by-step cancel instructions for 566+ subscriptions — direct links, phone numbers, and a difficulty rating for each.
- [Billing date guides](https://skycopia.com/billing-date): when each of 10 major subscriptions charges you, and whether you can move the date.
- [Mystery charge lookup](https://skycopia.com/charges): identify unfamiliar bank/card statement descriptors and what they map to.
- [Charge came back after cancelling?](https://skycopia.com/still-charged): why a cancelled subscription can still bill you, and per-merchant playbooks.

## Legal

- [Privacy Policy](https://skycopia.com/privacy): How Skycopia collects, uses, and protects your data — what we access via Plaid, how it's encrypted per household, and your export/delete controls.
- [Terms of Service](https://skycopia.com/terms): The terms governing Skycopia: how billing and cancellation work, what our analytics can and can't guarantee, and your account responsibilities.