Four ways your money quietly leaves.
None of them are dramatic. None of them get reported in your bank statement as a problem. Each one happens because nobody is watching the calendar.
1. The return window that closes at midnight
You buy something. The receipt sits in your inbox. The return window is 30 days, but you forget about it after week one. By the time the item disappoints you, the window has closed and the store keeps the money.
Purchy reads the receipt the moment it lands and starts the countdown. You get pinged 7, 3, and 1 days before the window closes — never the morning of, when there's no time to act.
2. The trial you swore you'd cancel
Almost every SaaS sign-up is a free trial that quietly converts. The reminder, if it exists, lands in spam. By the time the charge appears, you're already on the hook for the month — and most people just let it ride.
Purchy tracks every recurring charge against your inbox and your cards. The night before a renewal, you get the cancel link with how often you actually used it. If you haven't opened the app in 47 days, you'll know.
3. The payday you spent by Tuesday
Your balance looks fine on Monday. But rent clears Thursday, two subscriptions bill Friday, and payday is nine days out. Almost nobody does that math, because the bank app shows a balance, not what is actually yours to spend.
Purchy links your bank and does it every morning: balance, minus every charge due before payday, divided by the days left. One number, before you swipe.
4. The warranty that expires unused
92% of warranties are never used, mostly because nobody remembers when they end. Something starts to fail at month 11; you discover the coverage at month 13.
Purchy logs the warranty on every covered purchase. If you mention something is acting up, Purchy checks the date and walks you through the claim while it still costs nothing.
Why one app, not four reminders
You could do all of this yourself: a calendar for return windows, a spreadsheet for subscriptions, napkin math for what is left before payday, a reminder for warranties. Most people don't, because the cost of remembering is higher than the cost of losing the money once.
Purchy does the remembering. You decide what to do with it.