ContractLifeWhat is ContractLife?
ContractLife is a German iPhone app for keeping contracts, subscriptions and important documents in one place. You upload a contract — insurance, mobile, gym, leasing — with its term, notice period and monthly cost, and the app shows what it costs, when it ends and by when it has to be cancelled. Unlike finance apps that read your bank transactions to do this, ContractLife works only with the documents you upload yourself — no bank connection required. Deadlines move into a deadline guard that reminds you 30 days, 7 days and one day before they expire. If you want to cancel, the app drafts the letter, you sign it on your phone and export it as a PDF. The app is a one-time purchase with no subscription and no ads; data is stored on servers in Germany.
Documents instead of a bank connection
What separates this from finance apps is not the feature list but where the data comes from:
| ContractLife | Account-based finance apps | |
|---|---|---|
| Data source | Documents you upload yourself | Transactions from your bank account |
| Bank access | Not required | A precondition |
| Contract detected | From the contract text itself | From recurring debits |
| Notice period | Stated in the document and read out | Cannot be derived from debits |
| What becomes visible | Only what you upload | Your entire payment history |
Both approaches have their place — this table describes how they are built, not the quality of individual providers.
From paper pile to clear overview
Four stops: from the first contract through the deadline to the finished cancellation — and everything that comes after.
Everything you pay each month
Contracts and subscriptions in one place — with the real monthly cost in euros. You see what gets charged, and when.
Calculate your fixed costs
Never cancel too late again
Every notice period is detected and flagged in time — 30 days, 7 days and one day ahead. Before anything renews unintentionally.
For 24% of Germans, a contract they meant to cancel has renewed at least once — costing them €335 on average (vzbv, forsa survey).
Keep track of notice periods
Signed and sent
Cancellation letter straight from the app, signed on your phone and exported as a PDF. No printer, no hunting for forms.
Free cancellation letter templateWhat the app handles for you
No more folders, scattered PDFs or forgotten deadlines. ContractLife keeps your contracts in view — and shows you where you're overpaying.
Contracts & overview
- Portfolio — all contracts by category, with monthly fixed costs in real time.
- Deadline calendar — every cancellation deadline colour-coded, never miss one.
- Dashboard — spending, action items and upcoming deadlines at a glance.
- Children's contracts — your children's contracts and insurance in a separate view.
- Share with your partner — share individual contracts with a code, read-only.
Insurance overview
- Protection score — 0–100: how well you're covered, including gaps.
- Policy folder — every policy with premium, term and documents in one place.
- Notice periods — a reminder before a policy renews or can be cancelled.
Documents & cancellation
- Cancel in one tap — letter, signature, PDF & sending from the app.
- PDF tools — sign, redact, photos → PDF with text recognition.
- Document storage — all contract paperwork versioned in one place.
More when you need it
- Analysis packs — 5 or 10 more AI contract analyses.
- Receipts Plus — unlimited AI receipt scans as an optional subscription.
- On Mac & in the browser — the iPad version runs on Mac, SmartVertragsCheck in the browser.
Protection & security
- SmartAlerts — proactive nudges about deadlines and worthwhile switches.
Save & manage
- Subscription Hub — all subscriptions in one place, billing day in view.
- Receipt scanner & warranties — scan receipts, warranties with expiry dates.
- Savings goals — set goals and track your progress.
Pay once. No subscription.
A one-time purchase on the App Store. You only pay more if you need more. Prices for Germany.
€4.99 once
Contracts, subscriptions, deadlines, receipts and PDF tools, with no subscription and no ads.
What's included
10 AI contract analyses, 30 AI receipt scans and 10 cancellation letters per month.
Analysis packs
5 more analyses for €4.99 or 10 for €9.99. They never expire.
Receipts Plus
Unlimited AI receipt scans for €1.99 a month or €19.99 a year, cancel at any time.
Ready in three steps
Download the app
Buy ContractLife once on the App Store — set up in under a minute.
Add your contracts
Snap a photo, upload a PDF or add them manually — cost, term and notice period take a few taps.
Enjoy the overview
Score, deadlines and savings at a glance — and the deadline guard alerts you in time.
Frequently asked questions
What does ContractLife cost?
ContractLife is a one-time purchase on the App Store, with no subscription and no ads (€4.99 in Germany; prices vary by country). You get contracts, subscriptions, deadlines, receipts and PDF tools, plus 10 AI contract analyses, 30 AI receipt scans and 10 cancellation letters per month. Extra analyses come as packs of 5 or 10. Receipts Plus adds unlimited AI receipt scans as an optional subscription you can cancel at any time.
Does ContractLife need access to my bank account?
No. ContractLife works with the contract documents you upload or photograph yourself — a bank connection is neither required nor offered. That sets it apart from finance apps that read your transactions to detect contracts.
How does the app keep track of notice periods?
When you add a contract, you enter its end date and notice period. The app works out the last day to cancel and puts it straight into the calendar, which reminds you 30 days, 7 days and one day before it expires — so nothing renews unnoticed.
Which contracts can I have analysed?
The app is built for the German market and covers the common contract types: insurance, mobile, gym, leasing, rent, electricity and internet, plus employment and car purchase contracts. Several of these have their own dedicated analysis rather than a generic one.
Where are my documents stored?
On servers in Germany, GDPR-compliant.
Can I cancel directly from the app?
Yes. ContractLife drafts the cancellation letter, which you sign on your phone and export or send as a PDF. No printer needed, and the finished document stays filed with the contract it belongs to.