Suggested commitments
Some commitments you don't have to add yourself. When the same service charges you month after month, Surrah+ can spot it and offer to add it for you — as a suggestion you review, edit if needed, and confirm. Nothing is added until you say so.
How a suggestion appears
When a recurring charge has come through your bank messages enough times to look like a real service — a subscription, a bill, or an insurance premium — Surrah+ notices and sends you a notification. The proposed commitment shows up in a Suggested section at the top of your Commitments tab, marked with a ✨ sparkle and the label Suggested.
A suggestion is only a proposal. It doesn't count in Upcoming, it isn't part of Coverage, and it changes none of your numbers — it just sits in the Suggested section, waiting for you.
How Surrah decides
Two things have to be true before a charge becomes a suggestion:
- It has recurred. The same merchant must have charged you at least three times, at a steady amount and on a regular rhythm. One or two charges are never enough — a shop you visited twice won't be suggested.
- It's a real recurring service. Surrah+ checks that the merchant is genuinely a subscription, bill or insurance provider, not a café or a fuel station that happened to recur. Those three types are the only ones ever suggested — loans, rent and instalment plans you still add yourself.
Because it works from a pattern, a suggestion is a good guess, not a certainty. That's exactly why you get the last word.
Reviewing and confirming
Tap the suggestion — or the notification — and it opens the commitment detail with the proposal shown as editable fields: its type, title, amount and cadence. Change anything that isn't right; the next-due date updates as you adjust the cadence.
When it looks correct, tap Confirm & add. The suggestion becomes a normal, active commitment and starts counting in Upcoming and Coverage like any other.
What "Confirm & add" also does — linking past charges
Adding a suggestion doesn't only create the commitment going forward — it also reaches back. The charges that proved the service was recurring are still sitting in your expenses, and Surrah+ links the recent ones to the new commitment so they count as its payments. In plain terms: the last cycle's charge is recognised as already paid, so you don't start from a blank slate.
This is linking, not duplicating. No new expense is ever created — your bank messages already recorded the spending, and Surrah+ only connects those existing expenses to the commitment. Your spending total never changes.
From then on, each new charge from that merchant links itself automatically and moves the commitment to its next date, with nothing for you to do.
Dismissing a suggestion
If you don't want it, tap Dismiss, and Surrah+ asks how you'd like to handle it:
- Not now — Surrah+ holds off on that merchant for 3 months, then may suggest it again. Use this if you're just not ready to add it yet.
- Never suggest this merchant — Surrah+ stops suggesting it for good. Use this for something you never want as a commitment. If you later add that merchant yourself, suggestions for it are simply switched back on.
Either way the suggestion leaves the Suggested section without ever becoming an active commitment.
If you already track the merchant
Surrah+ won't suggest a merchant you already have a commitment for. Instead it quietly links the matching charges to the commitment you already added — the same past-charge linking described above — so you get the benefit without a duplicate suggestion to deal with.
This is a Surrah+ feature
Automatic detection and these suggestions are part of Surrah+. On the free plan you still add and track commitments yourself and still get the Upcoming feed — you just don't get charges detected and suggested for you.
What Surrah+ looks at — and what it doesn't
Suggestions are built only from your own transactions — the merchant, the amount, and the timing of charges already on your account. A suggestion is yours alone: even in a shared space, no other member sees it or can act on it, and a charge that belongs to you is never matched to anyone else's commitment. There's more in the FAQ: "What does Surrah look at to suggest a commitment?"