About
Hiatus is a comprehensive personal finance platform designed to give users complete visibility and control over their financial lives. By connecting to your bank and financial accounts, Hiatus automatically identifies every recurring subscription and expense, helping you cancel unwanted charges and eliminate forgotten free trials with ease. One of Hiatus's standout features is its concierge bill negotiation service — a dedicated team that negotiates lower rates on your behalf for bills like insurance, utilities, and other large monthly expenses. The app compares your rates against other users and surfaces personalized offers from its network of partner insurance companies and lenders. Hiatus also delivers robust spending analytics, breaking down your transactions by merchant and category, highlighting trends, and letting you build unlimited budgets. A real-time net worth tracker consolidates assets and debts across all connected accounts, so you always know where you stand financially. Personalized financial guidance throughout the app helps users hit specific goals, whether that's reducing debt, growing savings, or maximizing investment accounts. Hiatus is ideal for individuals and families who want a single, actionable platform to stop overspending, lower their bills, and steadily improve their financial health — without the complexity of traditional financial planning tools.
Key Features
- Subscription Tracker: Automatically finds and organizes all recurring expenses and subscriptions, making it easy to cancel what you no longer need and avoid forgotten trial charges.
- Concierge Bill Negotiation: A dedicated concierge team negotiates lower rates on your largest monthly bills — including insurance, utilities, and loans — on your behalf.
- Net Worth Dashboard: Consolidates all your financial accounts into a single real-time view of your assets and debts, tracking how your net worth changes over time.
- Spending Analytics & Budgeting: Breaks down spending by merchant and category, surfaces actionable trends, and lets you create unlimited budgets to keep your finances on track.
- Rate Comparison & Savings Offers: Compares your bills and rates against other users and surfaces personalized savings opportunities from partner insurers, lenders, and financial providers.
Use Cases
- Identifying and canceling forgotten or unwanted subscription charges to reclaim monthly budget.
- Negotiating lower rates on insurance, utilities, and loan bills without spending time on hold.
- Tracking net worth across multiple bank, investment, and debt accounts in one real-time dashboard.
- Building and sticking to monthly budgets by monitoring spending trends broken down by category.
- Comparing bill rates against other consumers to discover better offers from partner providers.
Pros
- All-in-One Financial Hub: Combines subscription management, bill negotiation, spending analytics, and net worth tracking in a single app, reducing the need for multiple tools.
- Done-for-You Bill Negotiation: The concierge service takes the hassle out of lowering bills by handling negotiations on your behalf, potentially saving significant money each month.
- Personalized Financial Guidance: Provides tailored advice and actionable steps based on your unique spending patterns and financial goals.
Cons
- Limited Institution Support: Full functionality depends on your financial institutions being supported for account linking, which may not cover all banks or credit unions.
- Premium Features May Require Paid Plan: Advanced features like the concierge bill negotiation service are likely gated behind a paid subscription tier.
- US-Focused: Partner offers and bill negotiation services appear to be primarily available for US-based users, limiting utility for international audiences.
Frequently Asked Questions
How does Hiatus find my subscriptions?
Hiatus connects to your linked bank and credit card accounts, then scans your transaction history to automatically identify and categorize all recurring charges and subscriptions.
How does the bill negotiation service work?
Hiatus identifies bills that are candidates for negotiation and assigns a concierge team member to contact your service providers on your behalf to secure lower rates.
Is my financial data secure with Hiatus?
Hiatus uses bank-level encryption and read-only access to your accounts, meaning the app can view transactions but cannot move or withdraw funds.
Can I cancel subscriptions directly through Hiatus?
Yes, Hiatus helps you track and cancel subscriptions you no longer need directly through the app, streamlining the cancellation process.
Is Hiatus free to use?
Hiatus offers a free tier for basic subscription tracking and account management, with premium features such as concierge bill negotiation available on a paid plan.
