Termio: Bills & Subscriptions

Contracts, subscriptions and recurring costs in one place.

Termio helps you record ongoing expenses, keep important dates visible and
manage recurring contracts — without connecting your bank account.

UNDERSTAND RECURRING COSTS

See your monthly and yearly recurring costs in one clear overview. Categories
and insights show which contracts have the biggest impact on your budget and
where your recurring spending goes.

SCAN CONTRACTS AND BILLS

Take a photo or select an image from your library. Termio extracts key details
such as the provider, customer or contract number, recurring gross amount and
relevant dates. Review and edit every result before saving it.

STAY AHEAD OF IMPORTANT DATES

Use the calendar to track payments, renewals, contract end dates and
cancellation deadlines. Add free trials and set reminders before a charge or
renewal is due.

PREPARE CANCELLATIONS

Termio uses the contract details you reviewed to prepare an editable
cancellation draft and, when available, point you to a suitable contact or
account-management route. You remain in control and send or confirm every
cancellation yourself.

FEATURES

• Monthly and yearly recurring cost overview
• AI-assisted contract and bill scanning
• Manual entry for subscriptions, bills and contracts
• Spending insights and category breakdowns
• Calendar for payments, renewals and deadlines
• Contract and free-trial reminders
• Editable cancellation drafts
• Multiple currencies
• Optional Google sign-in and device synchronization
• Biometric app lock
• Light and dark themes

PRIVACY AND CONTROL

You can use Termio without signing in. Your contracts remain on your device
unless you choose optional synchronization. Temporary document images are
removed from the app cache after processing.

IMPORTANT INFORMATION

AI-assisted extraction, contact details and cancellation drafts may be
incomplete or inaccurate. Always review amounts, dates, recipients and the
provider’s current requirements. Termio does not cancel on your behalf and is
not affiliated with the providers shown in the app.

Recent changes:

• Improved recognition of invoice amounts and payment schedules.
• Fewer false suggestions when importing bank statements.
• More reliable updates to existing contract details.
• Cleaner scan screens and stability and usability improvements.