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Subscriptions, Savings & Debts

The three remaining tabs in Finances cover the parts of your financial picture that go beyond monthly budgeting.

Subscriptions tab​

The Subscriptions tab tracks every recurring service you pay for — streaming, software, gym memberships, newsletters, cloud storage, and anything else billed on a cycle.

Adding a subscription:

  • Name — the service
  • Price and currency
  • Billing cycle — Weekly, Monthly, Quarterly, or Yearly
  • Billing day — day of the month for monthly subscriptions
  • Category — Entertainment, Productivity, etc.
  • Website and icon URL (optional, for visual identification)
  • Active toggle — mark inactive to track dormant subscriptions without deleting them
  • Notes — optional

What the tab shows:

  • Total active subscriptions with combined monthly and annual totals
  • An efficiency score — what percentage of your subscriptions you're actively using
  • Active subscriptions listed as cards; inactive ones grouped separately below
  • Top spending category

Managing subscriptions: Toggle any subscription inactive instead of deleting it when you pause or cancel a service — this preserves the record so you can reactivate it later. Delete when you're certain you won't need the record.

Savings tab​

The Savings tab tracks your savings and investment accounts over time.

Adding a savings account:

  • Account name
  • Current balance and currency
  • Account type — Checking, Savings, Investment, etc.

Logging a balance update: Open any account and tap to record a new balance. Each balance entry creates a data point in the account's history. Over time this builds a growth chart showing how each account has changed month to month.

What the tab shows:

  • Total savings across all accounts (in primary currency)
  • A growth chart with one line per account showing balance progression
  • Individual account cards with current balance, growth indicator (↑/↓ with percentage), and a link to full balance history

Debts tab​

The Debts tab tracks loans, credit card balances, and any other money owed.

Adding a debt:

  • Name — what the debt is (e.g., "Student Loans," "Car Loan")
  • Category — Mortgage, Car, Student Loan, Credit Card, Personal, Medical, or Other
  • Original amount — what you originally borrowed
  • Current balance — what you still owe
  • Interest rate — APR
  • Monthly payment — minimum payment
  • Extra payment — any additional monthly amount you put toward principal
  • Start date
  • Currency

What the tab shows:

  • Total debt, projected payoff timeline (in months), and combined monthly payment
  • A chart showing debt composition by type
  • Individual debt cards with balance, percent paid progress bar, interest rate, monthly payment, and projected payoff date
  • Payment history per debt

Recording a payment: Tap Add Payment on any debt card to log a payment. Enter the amount and date. The current balance updates and the progress bar reflects the new payoff percentage.

Payoff projections: Terra calculates when each debt will be paid off based on current balance, interest rate, monthly payment, and any extra payment. Adding extra payment toward principal reduces the projected payoff date — use this to model the impact of paying more each month.

Common questions​

How often should I update my savings balances? Monthly is usually enough. The goal is to see a trend over time, not daily fluctuations. Pick a consistent day each month — the same day you review your budget, for example — and update all accounts at once.

What if a debt is paid off? Record a final payment to bring the balance to zero, then delete or keep the entry as a historical record. A paid-off debt with full payment history is a satisfying archive entry to keep.