Omnyra watches for payments that repeat on a schedule and collects them here, with an estimated monthly cost for each.
Recurring cost is worth its own page because it is the part of overhead that grows without anyone deciding to grow it. Every individual charge was justified when it started; the total is what nobody looks at.
Detected, then confirmed
A newly detected payment is marked Needs Review until you tell Omnyra what it is. Detection finds the pattern — same payee, similar amount, regular interval — but it cannot know whether a monthly payment is a software subscription, an insurance premium or a loan.
For each one you can categorise it, add it to debts if it is a loan or financing arrangement, or ignore it if the pattern is coincidental.
Marking a loan payment as a debt rather than an expense matters for accuracy: the principal portion is not an expense at all, it is repayment of borrowed money, and treating it as overhead understates your profit.
Frequencies
Weekly, every two weeks, monthly, quarterly and annual patterns are recognised. Annual charges are the ones worth the most attention, because they are the easiest to forget and the most likely to renew unnoticed.
What to do with the list
Read it once a quarter and ask three things of each line: is it still used, is it still the right plan, and is it billed at the rate you agreed. Those three questions applied to a full list of recurring charges recover more money for most small businesses than any pricing change, and they cost an hour.