Personal Finance & Consumer Rights 2.85Simmering report-01-002

Startup idea: Subscription Auditor for Forgetful Brains

People with ADHD pay for forgotten subscriptions for years because opening the bank app and decoding the charge list is itself an executive-function task.

r/ADHD · Sep 14, 2026 – Oct 14, 2026 · 31 upvotes

Do any of you actually remember to cancel…

Read the thread · 39 comments

Report 01 · last verified Oct 14, 2026.

Subscription Auditor for Forgetful Brains is a startup idea for people with ADHD and consumers. People with ADHD pay for forgotten subscriptions for years because opening the bank app and decoding the charge list is itself an executive-function task. A thread in r/ADHD drew 31 upvotes and 39 comments between Sep 14, 2026 – Oct 14, 2026. People get by with Rocket Money and Bank app subscription lists, and that still leaves this job open. Hotness is 2.85, Simmering. Real but moderate pain. Some willingness to pay. The thread drew 31 upvotes and 39 comments. Crowded with decent tools. A few weeks of work. A first version is a moderate amount of work, about 3–4 weeks, priced under $10 a month and charged as a free tier and a paid upgrade. The pain, the source, the alternatives, the scope notes, and the questions on this page are free to read and free to build from. The agent starter prompt is the paid part. The first slice is on the page. One credit unlocks the rest, to paste into a coding agent, download as Markdown, or send as a private link.

Who has it

People with ADHD and consumers.

What people use now

2 options, and the gap between them.

01

Rocket Money

02

Bank app subscription lists

The gap · 2/5

Crowded with decent tools.

Subscription Auditor for Forgetful Brains is built for the part these leave undone.

A way through

Connect read-only to the bank, auto-detect recurring charges, explain each service in plain language and start cancellation with one click.

MVP scope

The first version, in 3 weeks.

Build
Moderate
Ships as
Mobile app
  1. 00 Goal

    The one job

    A read-only bank connection that finds every recurring charge, explains it in plain English and cancels in one tap.

  2. 01 Week 1

    The core

    Connect read-only to the bank and auto-detect recurring charges.

  3. 02 Week 2

    The follow-through

    Explain each service in plain language, and start cancellation with one click.

  4. 03 Week 3

    How it ships

    As a phone app, before any desktop or web version. AI helps, but the core job works without it.

  5. — Not in v1

    Left out on purpose

    Replacing Rocket Money. Version one does the one job above and stops there.

How it could charge

The business model, at a glance.

Buyer
PeopleAn individual or household pays
Region
United States

Hotness

Why it scores 2.85.

2.85 of 5 · Simmering
Pain25% 3/5
Willingness to pay20% 3/5
Demand20% 2/5
Competition gap15% 2/5
Ease of build10% 3/5
Recency10% 5/5

Real but moderate pain. Some willingness to pay. The thread drew 31 upvotes and 39 comments. Crowded with decent tools. A few weeks of work.

31 upvotes 39 comments r/ADHD Sep 14, 2026 – Oct 14, 2026 verified Oct 14, 2026 Thread ↗

Weights: pain 25%, willingness to pay 20%, demand 20%, gap 15%, ease 10%, recency 10%. Recency is recomputed every build. The source report’s 1–10 score is not shown.

Market size · estimate

How big this could get

A bottom-up estimate for Subscription Auditor for Forgetful Brains: real customer counts × a realistic price. Not a forecast.

TAM Total addressable

$281M a year

7.8M adults · 50% of US adults with a current ADHD diagnosis

SAM Serviceable

$82.8M a year

2.3M adults · reachable through ADHD communities and app stores

SOM Obtainable in 3 years

$828K a year

23,000 adults · 1% of the reachable segment in three years

What that means

23,000 adults at $3/mo = $828K ARR

Medium confidence
How we estimated this
  1. Base: 15,500,000 US adults with a current ADHD diagnosis.
  2. Has the problem: 50% (assume half manage their own subscriptions and lose track).
  3. Revenue per adult: $36 per year ($2.99/mo).
  4. Reachable: 30% (reachable through ADHD communities and app stores).
  5. Three-year capture: 1% of the reachable segment.

TAM = customers with the problem × revenue per customer. SAM = the part an early product can reach. SOM = a conservative three-year share of SAM. Bars use a log scale. Shares marked “assume” are our judgment, not measured.

Source: CDC MMWR, ADHD in adults (Oct 2024)

Take it to a build

Build Subscription Auditor for Forgetful Brains with an agent, or with us.

Agent starter prompt

$9.99 / 1 credit

A full PRD written for a coding agent: scope, data model, screens, edge cases, and the first week of tasks for this idea.

  • Copy it straight into Claude Code, Cursor, or Codex.
  • Download it as a .md file you keep.
  • Send your bot a private link that refreshes every seven days.
prd.md
# Agent starter prompt: Subscription Auditor for Forgetful Brains

You are a senior product engineer. Build only the product described in this document. If a detail is missing, choose the smallest option and write it down in the README. Do not invent a second product, a marketplace of marketplaces, or a growth hack.

## Product
Name: Subscription Auditor for Forgetful Brains
One line: A read-only bank connection that finds every recurring charge, explains it in plain English and cancels in one tap.
Shape: Mobile app
AI stance: AI-assisted
Region for v1: United States
Hotness (context only, not a requirement): 2.85 (simmering). Real but moderate pain; some willingness to pay; thread engagement 31▲/39💬 (demand 2/5); crowded with decent tools; a few weeks of work.

## Problem
People with ADHD pay for forgotten subscriptions for years because opening the bank app and decoding the charge list is itself an executive-function task.

Who feels it: People with ADHD and consumers.

The first slice is above. The rest unlocks for 1 credit and is never in this page’s HTML.

Credits work on both sites. On Business Ideas to Build the same credit unlocks the business plan and growth playbook for Subscription Auditor for Forgetful Brains.

Or we build it

Your first version, shipped by our team.

A working product in your repo, built from this PRD. You own the code.

$10k2 weeks
$15k5 working days

Questions

Is this idea already taken?

People already use Rocket Money, Bank app subscription lists. Those options do not do the job in the solution above. The idea is free to build. Nothing here is an exclusive claim.

How hard is a first version?

Moderate. A tight MVP is about 3 weeks (3–4 weeks), assuming the regulated or partner-gated parts are stubbed. The paid prompt turns that into tasks.

Who would pay, and how?

The audience is people with ADHD and consumers. Charge a free tier and a paid upgrade, and test a price under $10 a month. Willingness to pay is one input to Hotness, not a promise that someone will buy.

Can I use the evidence?

Yes. Build the product. The thread title is a short excerpt with a link, not a quote we are putting in someone's mouth. Exact post dates and verbatim lines are added only after a manual check. Ideas are suggestions, not medical, legal, or financial advice.

The sister site keeps a business plan and a growth playbook for the same pain. Draft the business plan