Find recurringcharges
Upload any bank statement PDF — AI finds every subscription, membership, and recurring fee including ones you forgot about.
Spot subscriptionsAI detectionAny bank worldwide
Tap to upload your statement
PDF, JPG or PNG · multiple files
Free·No signup·Deleted after analysis
... statements analyzed
Example output
What you'll see after upload
Detected Subscriptions
$49.97/mo recurring
N
Netflix
MonthlyMar 15, 2026
$15.99
S
Spotify Premium
MonthlyMar 22, 2026
$10.99
I
iCloud+ Storage
MonthlyMar 28, 2026
$2.99
C
ChatGPT Plus
MonthlyApr 1, 2026
$20.00
Recurring charges meaning
What are recurring charges?
Recurring charges are automatic payments that repeat on a fixed schedule — monthly, quarterly, or annually. You authorize them once and they continue until you cancel.
Streaming
Netflix, Hulu, Disney+, HBO Max
Software & Apps
Adobe, Microsoft 365, Dropbox, Notion
Memberships
Gym, Amazon Prime, Costco, clubs
Insurance
Health, car, renters, life insurance
Utilities & Bills
Internet, phone, cloud storage
Free trials gone paid
Trials that auto-convert after 7–30 days
How it works
Find recurring charges in 3 steps
Step 1
Upload your bank statement
Drop your PDF statement — or a photo/scan. Works with any bank worldwide. JPG and PNG supported too.
Step 2
AI scans every transaction
Our AI reads all transactions and identifies charges that repeat at regular intervals — same merchant, consistent amount, predictable timing.
Step 3
Review and cancel what you don't need
See every recurring charge with name, amount, and frequency. Click through to cancel anything you no longer use.
The problem
Most people are paying for things they forgot they signed up for
2.4
subscriptions
Average forgotten per person
Studies show the average person has 2–4 active subscriptions they've forgotten about.
$273
per year
Average wasted on unused subs
People consistently underestimate their subscription spending by 2–3× when asked.
47%
of people
Have a subscription from a trial
Free trials that silently converted to paid after 7 or 30 days.
See exactly what you're being charged every month
Upload your bank statement and get a full list of recurring charges in under 30 seconds. Free — no account required.
Find my recurring chargesFree · 3 pages/month · No signup required
Pricing
Simple, transparent pricing
Free
Free
Try it out
- 3 PDF pages / month
- AI transaction categorization
- Sankey money-flow chart
- AI insights & savings tips
- Financial health score
- Spending calendar
- CSV export
Most popular
Basic
$9/mo
For monthly tracking
- 500 PDF pages / month
- Everything in Free, plus:
- Multi-month trends dashboard
- Subscription detector
- AI savings opportunities
- 6 export formats (CSV, Excel, QIF, OFX, QBO, IIF)
- Chat AI financial advisor
- Receipts & invoices extractor
- Table-to-Excel extractor
- File format converter
- 12 months history
Pro
$19/mo
For power users
- Unlimited PDF pages
- Everything in Basic, plus:
- Redact sensitive info from statements
- Translate statements (30+ languages)
- Fake statement detector
- Fraud & authenticity scoring
- Priority processing
- Priority support
FAQ
Recurring charges — questions answered
What are recurring charges?+−
Recurring charges are payments that automatically repeat on a fixed schedule — usually monthly or annually. Common examples include streaming subscriptions (Netflix, Spotify), gym memberships, insurance premiums, cloud storage plans (iCloud, Google One), and software subscriptions. They appear on your bank statement every cycle, often with the same merchant name and amount.
How do I find recurring charges on my bank statement?+−
Upload your PDF bank statement to our analyzer. Our AI scans every transaction and flags those that repeat at regular intervals — same merchant, similar amount, consistent timing. You get a clear list of every recurring charge without manually scrolling through hundreds of rows.
What's the difference between a recurring charge and a regular payment?+−
A recurring charge is automatic — you authorize it once and it repeats without any action from you. A regular payment requires you to initiate it each time. Subscriptions, memberships, and direct debits are recurring. Rent payments you transfer manually are regular payments.
How do I stop a recurring charge?+−
First identify which company is charging you (our analyzer shows the full merchant name). Then log into that service and cancel the subscription, or contact the merchant directly. For charges you don't recognize, contact your bank to dispute the transaction and request a block on future charges from that merchant.
Why are there recurring charges I don't recognize?+−
Forgotten free trials that converted to paid, old subscriptions from previous email addresses, family member subscriptions billed to your card, or small annual fees that are easy to miss. Our analysis shows the full merchant name and amount history, making it easy to identify what each charge is.
How many months of statements should I check?+−
Three months is usually enough to catch most recurring charges. Some are quarterly or annual — for those, 12 months of statements gives a complete picture. Upload multiple statements and we'll combine the transaction history.
Is my bank statement data kept private?+−
Your PDF is processed in memory and immediately discarded after analysis — never stored on our servers, never shared. Only the structured transaction data is saved so you can view your results. We never see or store your actual bank credentials.