Stack Bill: spend and overlap tracker for people paying hundreds a month on AI
Tracks every AI subscription and API account, shows cost per tool and overlap, suggests cuts. Heavy prosumers pay.
Competitive · a16z: top 1% spend $900/month
Written for: Solo builder
Next step
This week, build a forwarding-address receipt parser for the 15 most common AI vendors. Use forwarding rather than Gmail OAuth to skip Google's restricted-scope security assessment. Launch with a Show HN and a post in r/ClaudeAI asking heavy users to share their monthly total.
Why now
The paying market is small and concentrated, and those buyers are developers who already pay for tools. This is a personal spend view across Cursor, Claude, ChatGPT, OpenRouter, Midjourney and others. It differs from the recent Bill Replay card, which tested per-task cost before a model switch for teams.
What became possible
Nothing changed technically. The change is in the data. a16z's first look at actual US consumer spend finds only 4.5% of users pay, while the top 1% of payers spend about $900 a month, mostly on development and automation tools. Claude Haiku 5.5 has reset the cheap tier, and Grok Bot now routes to rival models, so many of these stacked subscriptions now overlap.
Three ways in
- Receipt inbox
User forwards AI receipts to a private address. The app parses about 20 vendors into a monthly per-tool view with renewal dates.
- Customer
- Indie developers and solo founders spending $200+/month on AI
- Model
- $4/month or $29/year
- Overlap check
Flags plans with overlapping capability (two coding agents, three chat subscriptions) and API keys with near-zero use
- Customer
- Same heavy payers
- Model
- Included in paid tier
- Small-team view
Shared dashboard for 2–10 person shops where each person expenses their own AI tools
- Customer
- Small agencies and startups without a finance tool
- Model
- $5/seat/month
Competition
The enterprise and finance end of AI spend tracking is filling up quickly: Ramp, Larridin, Torii, Span, and Toolspend for teams. API-only cost dashboards are already a commodity, both open source and hosted.
Full competition notes (10 competitors)
The enterprise and finance end of AI spend tracking is filling up quickly: Ramp, Larridin, Torii, Span, and Toolspend for teams. API-only cost dashboards are already a commodity, both open source and hosted. The space is still thin in one place: an individual prosumer who pays personally for a mix of flat subscriptions (ChatGPT Pro, Claude Max, Cursor, Copilot, Midjourney) and pay-as-you-go API keys, and wants one view of both. Generic subscription trackers like ReSubs and SubDupes see the charges but don't understand what each tool does, so they can't say that two coding agents overlap. API dashboards miss the subscriptions entirely. Only Toolspend claims overlap detection, and it is tiny and aimed at teams. A new entrant could win with an AI-specific receipt inbox that needs no bank link, catalogs capabilities so it can flag overlaps, and checks usage against what each plan includes. The small-team dashboard is the weakest of the three ideas because Ramp and Toolspend are already moving down-market there. The main risks are low willingness to pay for a monitoring tool among people trying to cut costs, and a small market. A free or cheap one-time audit may convert better than a subscription.
- Toolspend
The closest direct match. It connects AI providers and bank or card data, flags duplicate tools and underused seats across teams, and sends renewal alerts. It is early stage, with one Product Hunt review, and all feature claims come from its own listings.
- Span AI Tool Spend Report
A beta feature in an engineering analytics platform. It splits Cursor, GitHub Copilot and Claude Code costs into base subscription and overage, using Cursor's usage API. It is sold to engineering organizations, not individuals.
- Ramp AI Token Spend Management
Launched July 2026. It brings AI provider connections into one dashboard with limits by team, project or API key, and a standalone version is offered. Its buyers are finance teams, and it covers the API side of the small-team idea.
- Larridin Token Spend & Insights
Announced June 2026. It tracks AI spend visibility for enterprises, not prosumers.
- Torii (and Zylo, BetterCloud)
SaaS management platforms that now market AI spend views. They are priced and built for mid-size and large companies.
- TokenSpend
Freemium token-use monitoring across OpenAI, Anthropic and Google, with three services free and teams on paid plans. Only a directory listing was found, so this is unverified.
- ReSubs
A consumer subscription tracker with ready-made entries for Cursor, ChatGPT and Claude. It does renewal reminders and price-change alerts but has no usage tracking or overlap logic.
- SubDupes
A general subscription tracker that builds the list from billing emails and looks for duplicates. This is the same receipt-inbox approach, but it isn't specific to AI.
- LLMscope
Self-hosted open-source dashboard for API cost by provider and model. It covers API keys only, not subscriptions.
- SeeCost
Open-source SDK with a hosted dashboard for real-time LLM API cost. It focuses on developer instrumentation.
Checked 2026-10-11
Risks
- Cost trackers have weak retention once the first cuts are made
- Rocket Money-style apps may add an AI category
- Receipt formats change often
- This is a mediocre business unless the team tier lands
Strong tech readiness and buildability; market pull and open space are the weak point (5).
tech 9 · pull 5 · space 5 · fit 8 · build 9
Exposed
Companies that could benefit or be threatened. News and context, not investment advice.
Momentum of its main topic
Sources
What happened next
- +7d · 18 Oct 2026 nothing yet. No launches, funding rounds, or press coverage of AI subscription spend trackers were found dated after October 11, 2026. The closest event is Guickly's $4.2 million funding and launch on September 7-8, 2026, which predates the flag.
Status history
- 2026-10-11 Flagged as buildable