AI-powered billing-error screen
Find duplicate charges on your bank statement
Upload a bank or credit card statement. AI scans every transaction and flags suspected double charges and billing errors — with dates, amounts, and a reason. Free, no signup.
How it works
Upload once, get a clean list of suspected duplicates
The AI ignores recurring bills and transfers on purpose — so you see real errors, not noise.
Upload your statement
Any bank or credit card statement as PDF, JPG, or PNG. Maximum 10MB. No account needed.
AI scans every charge
We read every transaction, group same-merchant same-amount charges, and filter out normal recurring bills, transfers, and utilities.
See suspected duplicates
Flagged duplicates appear with dates, amounts, a confidence rating, and a one-line reason — so you know exactly what to check.
Six patterns we catch
The duplicate charges people miss most
Same-amount duplicates are easy to miss in a busy month. These are the patterns the AI looks for specifically.
Same merchant, same amount, close together
Two or three identical charges from the same merchant within a short window — the single clearest duplicate signal.
Auth-and-capture duplicates
Some merchants authorize a charge, then re-capture it as a separate line. If both settle, you're out the money until they refund one.
Accidental card re-runs
Restaurants and small retailers sometimes swipe the card twice if the first run 'looks' like it failed. Both charges can still settle.
Out-of-cadence subscription repeats
A subscription billed twice in the same week. Normal monthly cadence is excluded; same-week repeats are flagged.
Retail double-captures
Split shipments or partial refunds that end up posted as two full-amount charges instead of one charge plus a refund.
Free-trial-to-paid overlaps
Occasionally a free trial converts and bills while a prior charge is still pending. Both can post as same-amount transactions.
What we ignore
Recurring bills don't count as duplicates
A same-amount charge that hits on a regular cadence is a subscription, not an error. These are filtered out before the AI reviews candidates.
If we find a duplicate
What to do next
1. Cross-check the dates in your banking app
Open the exact transactions the tool flagged. Check whether each one is a real charge versus a reversed authorization.
2. Contact the merchant first
Most merchants refund same-day once you show them the two identical charges. Keep the emails or chat transcript as proof.
3. If the merchant won't help, dispute with your bank
Credit card users can file a billing-error dispute under Regulation Z — typically within 60 days of the statement date. Debit card users have Regulation E protection with similar timing.
4. Keep records for future scans
Save the resolved refund — the tool may flag the same pair next month if both charges still appear on a future statement. Context makes resolution faster.
More than just categories
Real financial clarity from your bank statement.
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments, including charges you may not recognize at first glance.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments, including charges you may not recognize at first glance.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. See the pattern behind the suggestion and its estimated monthly impact, not vague budgeting advice.
- Ranks changes by potential monthly impact
- Names the transaction pattern behind each tip
- Gives you a concrete next action to review
Potential monthly savings
$227/mo
Potential monthly savings
$227/mo
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. See the pattern behind the suggestion and its estimated monthly impact, not vague budgeting advice.
- Ranks changes by potential monthly impact
- Names the transaction pattern behind each tip
- Gives you a concrete next action to review
Analyze your own statement
Upload a PDF, get your full report in 30 seconds.
Statement analyzer pricing
Pro
For heavy files and repeat work
- 200 PDF pages per month
- Unlimited visible transactions per report
- Subscription and recurring charge detection
- Priority support
Business
For lenders, accountants, and teams processing at volume
- 500 PDF pages per month, then $0.08/page
- REST API access with your own keys
- Unlimited visible transactions per report
- Priority support
FAQ
Duplicate charge finder —
questions & answers
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