Is Orbit Money free to use?

Yes, Orbit's core features for tracking and managing subscriptions are free for everyone and always will be. The company believes tools that help you control your money shouldn't cost you more money.

How does Orbit Money protect my data and privacy?

Orbit Money prioritizes data security with no telemetry, ads, or data selling. Your API keys are stored in macOS Keychain only and never leave your device or touch their servers. The app makes no external requests except to providers you've connected, and if you enable sync, only encrypted display data syncs while your keys stay on your Mac.

What platforms does Orbit Money support?

Orbit Money currently supports Mac, with Windows support coming soon. The app works from your menu bar and can track Claude usage, API costs, and subscriptions locally on your device.

How does Orbit Money detect my subscriptions?

Orbit Money offers multiple detection methods including manual entry, document upload, email scanning, and bank connection. The app auto-detects subscriptions without exposing your private data by stripping out sensitive information and automatically categorizing your subscriptions.

What kind of alerts does Orbit Money provide?

Orbit Money provides smart alerts for subscription renewals, free trial endings before you get charged, when you're about to run out of Claude quota mid-task, and when services like Claude are down. You have full control over which renewal reminders and alerts you receive.

Is Orbit Money currently available to everyone?

Orbit Money is currently in Beta. You can sign up to access the app and its features for tracking subscriptions, AI spend, and tool costs.

Orbit Money

Q: What types of costs can Orbit Money track?

Orbit Money can track subscriptions, Claude usage (session, weekly, and Sonnet quotas), API costs across providers like Anthropic, OpenAI, DataForSEO, and DigitalOcean, plus other usage-based tool costs. It also surfaces discounts and credits on tools you already use.

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Orbit Money is a comprehensive financial management app that tracks subscriptions, AI tool spending, and API costs in real-time, helping users regain control over their recurring expenses and hidden charges.

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Product Information

Updated:Apr 13, 2026

What is Orbit Money

Orbit Money is a modern financial management platform designed to solve the growing problem of subscription chaos and fragmented tool spending. Currently in beta, Orbit offers both a mobile app for subscription tracking and a desktop menu bar app (Mac, with Windows coming soon) for monitoring AI usage and API costs. The platform addresses the reality that most users now juggle multiple bank accounts, credit cards, investments, and an ever-increasing number of subscriptions ranging from streaming services to AI tools. With a core mission to build the ideal money app, Orbit's fundamental features for tracking and managing subscriptions remain free for everyone, while upcoming features include auto-cancel functionality, AI-powered workflows, deal discovery, and stablecoin virtual cards. Built with privacy at its core, Orbit ensures API keys never leave your device and all sensitive data is encrypted before transmission.

Key Features of Orbit Money

Orbit Money is a comprehensive subscription and tool cost management platform that helps users track, manage, and optimize their recurring expenses. It offers automatic subscription detection through multiple methods including email scanning and bank connections, with core features remaining free forever. The platform goes beyond basic tracking with AI-powered workflows, real-time Claude usage monitoring, API cost tracking, smart alerts for renewals and free trial endings, and access to exclusive deals. Designed with privacy in mind, API keys never leave your device and are stored locally in macOS Keychain. Orbit serves both personal and business use cases, with particular focus on international markets including the UK and Australia, making it ideal for creators, freelancers, digital nomads, and anyone struggling with subscription fatigue.

Automatic Subscription Detection: Multiple detection methods including email scanning, bank connections, and document upload to find hidden subscriptions and free trials you forgot about, with all subscriptions auto-categorized for easy management.

Claude Usage & API Cost Tracking (Desktop App): Real-time monitoring of Claude session quotas, weekly limits, and API costs across multiple providers (Anthropic, OpenAI, DataForSEO, DigitalOcean) directly from your Mac menu bar, with all API keys stored locally and never leaving your device.

Smart Alerts & Notifications: Proactive notifications before free trials charge you, renewal reminders, price increase alerts, and warnings when you're about to run out of Claude credits mid-task, giving you full control over when and how you're notified.

AI-Powered Workflows: Upcoming AI-assisted features designed to improve subscription visibility, help identify savings opportunities, and automate subscription management tasks with less manual effort.

Deal Discovery & Access: Automatic surfacing of discounts and credits on tools you already use, ensuring you never miss savings opportunities on your existing subscriptions.

Privacy-First Architecture: End-to-end encryption for spend data, local-only API key storage in macOS Keychain, no telemetry or ads, and optional sync that only shares encrypted display data while keeping sensitive keys on your device.

Use Cases of Orbit Money

Freelancers & Digital Nomads: Manage both personal and business subscriptions in one place with international support, track SaaS tool costs across multiple projects, and optimize spending on creative and productivity tools while working globally.

AI Developers & Researchers: Monitor Claude usage quotas and API costs in real-time across multiple AI providers (Anthropic, OpenAI), track project-specific spending, and receive alerts before running out of credits during critical development work.

Budget-Conscious Consumers: Detect forgotten subscriptions and unused free trials, get alerted before automatic renewals charge your card, and gain clear visibility into all recurring expenses to reduce subscription fatigue and save money.

Small Business Owners: Track and organize business tool subscriptions, monitor team software costs, identify redundant services, and access business-specific deals to optimize operational expenses.

Content Creators: Manage multiple streaming services, creator tools, and platform subscriptions, track costs across different content creation tools, and discover deals on software like editing apps and design platforms.

Privacy-Focused Users: Track subscriptions without connecting bank accounts using manual entry or email scanning, maintain full control over personal financial data with local-only storage, and avoid apps that sell user data or use telemetry.

Pros

Core subscription tracking and management features are completely free and will remain free forever

Strong privacy protection with local API key storage, encrypted data, and no telemetry or data selling

International support designed for UK, Australia, and global markets from day one, unlike US-only competitors

Unique combination of subscription tracking and real-time AI/API cost monitoring in one platform

Cons

Currently in beta with some features still in development or marked as 'coming soon'

Desktop app for Claude/API tracking is Mac-only with Windows support still pending

Less established than competitors like Rocket Money with fewer user reviews and proven track record

Some advanced features require premium subscription, though pricing details are not fully disclosed

How to Use Orbit Money

1. Create an Orbit Money Account: Visit orbitmoney.io and sign up for a free account. The core features for tracking and managing subscriptions are free and always will be. You can also wait for their soon-to-be-launched application which will guide you through verification and account setup.

2. Detect Your Subscriptions: Use one of multiple methods to find subscriptions: manually add them, upload a bank statement or document, or use auto-detection. Orbit will scan for subscriptions you may have forgotten about, including hidden free trials and recurring charges. Sensitive data is stripped out during this process.

3. Review Auto-Categorized Subscriptions: Once detected, Orbit automatically categorizes your subscriptions (e.g., Entertainment, Health, Creator Tools). Review your subscriptions filtered by category and dates to see all your recurring costs in one place.

4. Set Up Smart Alerts: Configure renewal reminders and alerts so you get notified before free trials charge you or before subscriptions renew. Orbit will only interrupt you when something actually matters, helping you avoid unwanted charges.

5. Track AI and Tool Costs (Desktop App): Download the Orbit desktop app for Mac (Windows coming soon) to track Claude usage, API credits, and usage-based costs in real-time from your menu bar. Add your API keys which are stored locally in macOS Keychain and never leave your device.

6. Monitor Spending in Real-Time: View your session, weekly, and Sonnet quotas for Claude. Track spend across providers like Anthropic, OpenAI, DataForSEO, and DigitalOcean to see exactly what each project costs you.

7. Access Deals and Discounts: Browse the deals marketplace with 725+ subscriptions. Upload a statement or add subscriptions manually, and Orbit will match you to every discount you qualify for automatically, helping you save money on tools you already use.

8. Manage and Cancel Subscriptions: Use Orbit's tools to cancel unwanted subscriptions. You can cancel free trials immediately while still getting full access until the trial period ends. Access guides on the best time to cancel and how to negotiate retention offers.

9. Optional: Enable Sync: Link your Orbit account to sync encrypted display data, balances, and spend summaries across devices. Your API keys always stay on your Mac and never sync to iCloud or Orbit's servers.

10. Stay Informed: Get transparent, real-time visibility into your spending. Orbit brings order to recurring chaos by pulling everything into one clean money app, helping you save money and regain control over fragmented subscriptions.

Orbit Money FAQs

Orbit Money is a subscription tracking and management app that helps you monitor your subscriptions, AI spend, and tool costs in one place. It automatically detects hidden subscriptions, tracks Claude usage and API credits in real-time, and sends smart alerts before renewals or charges.

Orbit Money