Recurring payments finally in view.
Rent, electricity, broadband, streaming, insurance, mobile, memberships: Bon.line helps you capture, understand and fairly split regular payments across your household.
Six small subscriptions = over £500 a year. Each amount feels harmless, the total does not. Bon.line lays them side by side — honestly, completely, without judgement.
What goes out automatically each month quickly becomes invisible.
Recurring payments are the still water of the household budget. They don't hurt at the moment of payment because they run automatically. That's exactly what makes them so hard to control. Four typical patterns:
The streaming stack
Netflix, Spotify, Disney+, a documentary service, maybe a magazine bundle on top. Each one harmless on its own — together a monthly third of the weekly shop.
Hidden software costs
Cloud storage, office subscriptions, a photo app, a password manager, a backup service. Tools that became everyday long ago — but rarely get totted up.
Forgotten memberships
The gym after a move, a software licence from last year's project, the newspaper at an intro price. Nobody actively cancels — because nobody's actively looking.
Unequal split
One person pays broadband and streaming, the other electricity and insurance. Sounds fair — maybe it isn't. Without a clear view, nobody knows who actually carries more.
We thought we had eleven subscriptions.
When a family does its first honest inventory, the surprises come quickly: app purchases long forgotten, a premium account from last summer, a school software the kid no longer uses. The feeling is almost always lower than the reality.
Bon.line lays everything side by side — no drama, no judgement. What stays, what goes, what gets shared, is your decision. But now it happens with all the numbers on the table.
"We thought we had eleven subscriptions between us. It was nineteen. Three we'd completely forgotten about." — from beta-phase user feedback
How to capture recurring payments.
Set it up once, then it flows into your monthly overviews automatically. No re-entering, no reminder to-dos.
Add it
Name, amount, interval (monthly, quarterly, yearly) — the basics in under a minute.
Payer & category
Who pays it? Which category (Housing, Entertainment, Insurance, …)? Important for fair analytics.
Splitting rule
50/50, by income, per head or custom — set per payment.
Monthly view
Done. The payment flows into every monthly settlement — visible, totalled, fairly split.
Three things Bon.line does with recurring payments.
Visible, fair, conscious. The three steps from "something's going out" to a clear household decision — and the argumentative core of this feature.
Make it visible
"What's actually running every month?"
Bon.line lists every recurring payment with amount, interval, payer and due date. The total isn't just monthly — it's also projected to a yearly figure. Because the truth often only shows up in the annual sum.
Split it fairly
"Who actually pays for what?"
Broadband 50/50, electricity by household share, streaming paid by one but used by all — set the rule per payment. Every split feeds cleanly into the settlement amount between household members.
Decide consciously
"Keep? Share? Cancel?"
Bon.line doesn't tell you what to drop. It just makes visible what's running — and asks the question that otherwise never gets asked. Automatic direct debits become conscious decisions.
What the feature does in detail.
Six building blocks that, together, give you full control over recurring payments — without a bank connection, without a privacy trade-off.
Any interval
Monthly, quarterly, half-yearly, yearly — irregular payments are supported too. Insurance premiums or an annual railcard show up automatically when they're due.
Splitting rules per payment
Every payment gets its own rule. Broadband 50/50, streaming flat, insurance by usage — whatever logic fits your household.
Your own categories
Housing, insurance, entertainment, software, family — or your own. Categories help you spot the patterns: where is the budget going?
Due-date reminders
Bon.line reminds you of upcoming payments — especially useful for yearly bills that otherwise get forgotten until the account goes red.
Cost history
Has the insurance gone up over the last two years? Has the streaming subscription crept up with a price rise? Bon.line shows the trend, not just the current state.
Linked to receipts
Recurring payments appear alongside till receipts, online purchases and shared expenses in the monthly settlement — a complete picture of the household.
How Bon.line differs from the alternatives.
Five properties that decide in practice whether recurring payments actually become manageable:
| Property | Bon.line | Banking app | Spreadsheet | Notes |
|---|---|---|---|---|
| Multiple people, shared costs | Yes, per payment | No | Manual | No |
| Linked to receipts & purchases | Fully | No | No | No |
| Yearly projection | Automatic | Limited | Manual | No |
| Categories & analysis | Structured | Per account | Manual | No |
| Due-date reminders | Yes | Before posting | No | No |
Clarity once a month.
Recurring payments are part of the Bon.line monthly settlement — a short, recurring check instead of a tedious household ledger.
"What ran this month? What can stay? What should we look at?"
Frequently asked questions
What are recurring payments?
Recurring payments are costs that come round on a regular basis — typically monthly, quarterly or yearly. That includes rent, electricity, broadband, insurance, streaming subscriptions, memberships and instalments. What makes them tricky: they run automatically, and that's exactly why they become invisible.
Does Bon.line detect recurring payments automatically?
You add recurring payments manually and assign them an interval, payer, category and splitting rule. Once they're in, they flow into your monthly overviews automatically — no need to re-enter them every month.
Can I split recurring payments across the household?
Yes. For every payment you decide who pays it and how it gets split — 50/50, by income, per head or custom per item. Recurring payments feed into the monthly settlement just like individual receipts.
Can I capture yearly payments too?
Yes. Bon.line supports monthly, quarterly, half-yearly and yearly intervals. So less frequent payments like car insurance or your TV Licence don't slip through the cracks — Bon.line reminds you before they're due.
How is this different from a banking app?
Banking apps show account transactions — i.e. what's already been debited. Bon.line links recurring payments to receipts, household logic, categories and fair splitting between multiple people. A banking app shows the what, Bon.line shows the who, what for and how it's split.
Does Bon.line help me cancel subscriptions?
Bon.line doesn't decide for you what to cancel — but it does show what's running and totals the amounts into a monthly and yearly view. On that basis, you can decide for yourself: what stays, what gets shared, what goes.
Automatic direct debits become conscious decisions.
Bon.line doesn't tell you what to do. It just makes visible what's running — and enables what otherwise never happens: a real, honest look at every recurring payment.
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