Subscriptions · Spend · Splits — for India
Know exactly where every rupee goes. Then get some back.
SubZero finds your subscriptions, flags the waste, preps your cancellations, and keeps shared expenses honest. It never touches your money.
A typical first scanFound: ₹4,890.00/mo you forgot about
Hotstar Super — unused 84 days
WORTH CANCELLING₹899.00WORTH CANCELLINGTwo music apps — Spotify + Wynk overlap
DUPLICATE₹218.00DUPLICATEAdobe price rise — +19% this cycle, negotiable
PRICE CHANGE₹680.00PRICE CHANGENever holds money
Payments are handoffs to your UPI app. Settlements count only when the other person confirms.
Proposals, not surprises
OCR and AI suggest; you approve. No record exists until you say so.
Private by structure
Personal Ledger stays private. Family sharing and organization-owned Business records use separate authorization.