Recurring bill and subscription tracker with automatic reconciliation

Executive Summary

Small businesses struggle to track which subscription or bill is due, and which account paid it. Build a consolidated recurring-expense calendar that auto-detects, classifies, reminds, and reconciles recurring bills across banks and vendor feeds. Rapid proliferation of SaaS and subscription vendors means SMBs have many recurring micro-bills, increasing need for consolidated views - the Reddit user named Shopify and web hosting as active examples. Banking and data aggregation APIs (Plaid, TrueLayer) and improved open-source OCR/ML enable fast, accurate detection and classification of recurring charges. Meanwhile gaps in incumbent SMB accounting tools (user tried Wave and Zoho and found recurring-expense workflows missing) create an immediate product-market gap that modern integrations can exploit. Target SMBs with many niche SaaS and vendor subscriptions by combining bank feed aggregation, invoice OCR, and ML vendor-recognition to create a persistent recurring-bill ledger and due-date calendar that links each recurring obligation to a payment account. Evidence from the source shows users try accounting tools like Wave and Zoho and explicitly find they cannot manage recurring expenses, so a product that fills that precise workflow gap - auto-detecting recurring charges from bank feeds, tagging vendor cadence, and mapping bills to payment accounts - is the clear wedge. A data moat could form from anonymized vendor recurrence profiles and aggregated reconciliation patterns across customers, improving vendor recognition and predictive reminders over time. Speed to market is feasible using existing bank aggregation APIs and off-the-shelf OCR/ML models to classify vendors and match transactions.