APR Intelligence shows the real cost of paying for subscriptions with borrowed money.
The problem it solves
A subscription paid from a credit card that carries a balance costs more than its sticker price. Interest compounds on the balance, so a £15 monthly service on a card at a high APR quietly costs materially more over a year.
What it calculates
- Effective annual cost of each subscription given the APR on the card that pays it.
- The interest component of your recurring spend, separated from the subscriptions themselves.
- Which subscriptions to move to a debit account, or cancel first, for the largest reduction in interest.
Inputs
The APR for each card, which you enter, plus the charges Flowarden already sees on that connection. Balance and repayment behaviour refine the estimate where available.
Reading the output
Sort by effective annual cost rather than headline price. The ordering often changes: a cheap subscription on a high-APR card can outrank a more expensive one paid from a current account.
Caveats
This is a model, not a statement of account. Real interest depends on your issuer's method, statement timing, and repayments. Use it for prioritisation, not reconciliation.