Recently tested out a couple of payment tracking apps built with vibe coding by Frank, and honestly? Both miss the mark pretty hard.

The first one treats literally every recurring charge as a subscription—flagged my girlfriend's monthly allowance the same way it flags Netflix. Pretty rough logic there.

The second takes a different approach: it only tags outflows if the transaction description hits certain keywords. Sounds smarter in theory, but in practice? Way too many false negatives. I definitely paid $5 to something that should've been caught.

Neither app nails the accuracy issue. Payment categorization clearly needs way more sophisticated pattern recognition—keyword matching and blanket subscription detection just don't cut it. If you're relying on these tools for expense tracking, manage your expectations.