Yearfold

Yearfold is a subscription year-fee desk. File the plans you actually pay — streaming, cloud, tools — and it immediately folds a monthly charge into a yearly read (and a yearly plan into a monthly one). It also maps the next twelve months of cash-out so annual and quarterly renewals show up as a full charge in the month they hit, not as a smoothed average. Local reminders fire before renewal day. Cancelled plans leave a stub with money kept since. Category spend is visible at a glance. Everything is stored on this phone and is still there when you come back.

What you can do
• Subscription dossiers: name, billed amount, monthly / quarterly / yearly cycle, next renewal, category, and payment tag
• Monthly vs yearly fold: the same money shown as a monthly and a yearly figure, so an annual plan is easy to compare
• Renewal clock: upcoming charges lined up as today, tomorrow, this week, and next week, with a local reminder you can set days ahead
• Totals: paid so far, monthly fold, yearly fold
• Cancelled ledger: cancel date, monthly you no longer pay, and how much you have kept since — you can put a plan back on the desk
• Category split: monthly spend across entertainment, productivity, cloud, and more
• Export: a CSV you can share into Files, Mail, or Notes

The free desk holds 6 active plans. Full Archive is a one-time ¥38 unlock that lifts that cap. Folding, reminders, totals, cancelled stubs, categories, and export already work. Restore Purchases brings Full Archive back.