> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ai2fin.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bills and subscriptions — tracking, alerts and pay links

> Track bills and subscriptions in 2Fin: repeating payments found from your transactions, alerts for late, missing or changed amounts, a checked Pay on link to the biller's site, and the dashboard money ladder.

2Fin finds repeating payments in your transactions and offers each as a bill to track. On **every plan**.

## Track a bill

**1. Let Fin find it**

Repeats are offered in the import review's **Repeats** step and under **Recurring patterns → Suggestions**.

**2. Track it**

Press **Track it** (or **Create as bill**). The bill takes its usual amount and next due date from the payments so far.

**3. Or add one yourself**

**Add recurring pattern** for a bill that has not been paid yet.

![Recurring patterns with a suggestion to track as a bill](https://mintcdn.com/ai2fin/chVoLw4tztnwrMjl/images/screens/recurring-bills-1280.webp?fit=max\&auto=format\&n=chVoLw4tztnwrMjl\&q=85\&s=f16bdfdd7bf4ca0d6f704ffc00864037)

Recurring patterns with a suggestion to track as a bill. Example figures from test books.

## Alerts

Fin compares each payment with the bill's usual pattern and lists anything off under **Upcoming → Needs a look**:

* **Late** — not paid by its usual day
* **Missing** — a cycle with no payment
* **Bigger** or **smaller** than usual — by default more than 10% for a fixed amount, 35% for a variable one
* **Extra payment** — a payment you did not expect

## Pay on the biller's site

A **Pay on …** button opens the biller's own payment page. It appears only when the link is on the brand's own registered domain and has been checked.

* Add **your own pay link** to any bill. It is shown as yours, not as a checked link.
* Optionally save the biller **account number**. It is encrypted, and filled into the biller's page where that page supports it.
* Billers are suggested by where you live: Australia, New Zealand, the UK and India, plus global subscriptions.

2Fin never takes the payment: you pay on the biller's site, and the payment shows up from your bank.

![The dashboard money ladder](https://mintcdn.com/ai2fin/chVoLw4tztnwrMjl/images/screens/money-ladder-1280.webp?fit=max\&auto=format\&n=chVoLw4tztnwrMjl\&q=85\&s=3bce590367abc650e67289bcfc97b86c)

The dashboard money ladder. Example figures from test books.

## The money ladder

The dashboard's ladder shows paid items above **today** and expected ones below, overdue set apart, with money in and out side by side. Switch between **7**, **14** and **30** days, and between the **Items** and **Days** views.

## Related

* [Pattern analysis](https://docs.ai2fin.com/features/pattern-analysis.md)
* [Import review](https://docs.ai2fin.com/features/import-review.md)
* [MCP bill tools](https://docs.ai2fin.com/mcp/bill-tools.md)
* Product page: [ai2fin.com/features/bills](https://ai2fin.com/features/bills)


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.