RaayaMoney notices when your bills quietly change
- Free
- When documents arrive
Price increases rarely announce themselves. They arrive as a slightly higher number on the next invoice, or as a contract that simply carried on.
Get started freeElectricity: €94 → €109 a month (+16%)
The new invoice is higher than the last one from the same supplier. Compare them side by side, and check whether the increase gives you a right to cancel.
Why it matters
Money compares each new invoice and contract with the previous one from the same provider and tells you when something moved.
What Money catches
- Price increases between invoices from the same provider: 2% or more (and at least 1 unit of currency) on recent documents.
- Contracts that renewed silently: the insurance, subscription or lease that rolled over without anyone noticing.
- Recurring bills that didn't arrive: a monthly bill more than 12 days late, a quarterly one more than 25 days late. Often a sign of a failed payment or a changed address.
What people use Money for
- Price increase alertsRaaya compares each new invoice with the last one from the same provider and flags price increases, silent renewals and bills that never arrived. Free.
- Contract notice periodsRaaya works out the last day to cancel before a contract auto-renews (Kündigungsfrist), reminds you 30, 14 and 3 days ahead and drafts the letter.
The rest of the crew
- Watcher ProWatches fares, visa and embassy pages, listings, rates and news daily. Tells you only when something material changes.Daily
- Deadlines FreePassport, visa and ID renewals with proper lead times, notice periods before auto-renewal, warranties. Drafts the cancellation letter.When a date approaches
- Family FreeThe same deadlines for the people in your world: a child's passport, a parent's insurance, a partner's residence permit.When a date approaches
- Vault keeper FreeFiles new uploads for you and tidies up monthly: duplicates, newer versions, unreadable scans, unorganized files.Monthly
- Wallet FreeCards and loyalty programs per person: card expiry, annual fees, points about to expire. Last 4 digits only.When a date approaches
- Forms FreeIn the in-app browser: suggests your details for every form field and keeps the confirmation in your journey.While you browse
- Jyoti SpecialistRaaya's Vedic astrology specialist: daily panchang, Rahu Kalam, birth charts, dasha and muhurta, in its own app.Specialist app
Let Raaya keep watch
Create a free account on the web, add a journey or upload a few documents, and the crew starts on its own. You approve every change.
Get started freeQuestions and answers
Is Money free?
Yes. Money is free.
Does Money connect to my bank account?
No. Money works from the invoices and contracts in your Raaya vault, not from bank access.
How does it know two invoices belong together?
It groups documents by provider and document type, then compares the newest one with the one before it.
Why didn't it flag a tiny change?
To avoid noise, Money flags increases of at least 2% and at least 1 unit of currency, and only on recent documents. Very large jumps are usually a different product and are left out.
Raaya gives general information, not legal, tax, immigration or financial advice. Rules change; confirm with the official source before you act.