Find recurring charges
Upload a PDF — see every subscription, membership, and forgotten fee in 30 seconds.
Upload your bank statementFind recurring chargesPDF from any bank. Scans and photos work too.
How to identify recurring charges on a bank account
Look for payments to the same merchant, for a similar amount, at a regular interval. Monthly charges show up on every statement. Quarterly and yearly charges appear only once in a 3- or 12-month window, so you need a year of statements to find them.
- Download the last 12 months of statements from your bank as PDFs.
- Sort or search the transactions by merchant and note any name that appears more than once.
- Check the gap between charges: about 30 days is monthly, about 90 days quarterly, about 365 days yearly.
Example: GEICO *AUTO $178.00 on 12 Jan, 12 Apr, 12 Jul and 12 Oct is a quarterly premium; ADOBE $239.88 once in March is a yearly renewal. Upload the PDFs above and the analyzer does these steps for you, listing each merchant with its cadence and amount.
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
Find money you're leaving on the table
Cancel unused subscriptions
3 services you haven't used in 60+ days
Switch to cheaper phone plan
You're overpaying vs similar usage profiles
Cook 3 more meals per week
You averaged $42/meal eating out — 18 times this month
Ask your statement anything
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
See where every dollar went
$4,844 across 7 categories
Your financial health, scored
Spot hidden recurring charges
8 subscriptions found · $349/mo
You're paying for things you forgot about
- Repeated merchant payments to review
- Monthly charges
- Charges a one-month review can miss
- Annual renewals
- Overdrafts and other costs to investigate
- Irregular fees
Subscriptions you signed up for once — and never cancelled
Free trials convert silently. Gym memberships auto-renew in January. Cloud storage upgrades from two years ago keep charging. Because these payments are spread across different merchants and billing cycles, they are easy to miss in a quick review.
Our AI doesn't just find charges labeled “subscription.” It detects any payment that repeats — same merchant, similar amount, regular interval — even if the merchant name changes slightly between charges.
Every type of recurring charge — automatically
Not just subscriptions. Every payment that repeats at a regular interval.
Streaming
Software & apps
Memberships
Insurance
Utilities & bills
Free trials gone paid
How AI finds recurring charges you forgot about
A single month can hide charges that recur quarterly or annually. The rest — old streaming trials, gym memberships, cloud storage upgrades — can be easy to overlook when you review transactions one page at a time.
Our AI uses pattern matching to scan every transaction and flag payments that repeat at regular intervals. It looks for consistent merchant names, similar amounts, and predictable timing. Unlike a simple keyword search, the AI understands that “NFLX DIGITAL” and “NETFLIX.COM” are the same subscription, and it catches annual charges that appear only once per statement.
For the most complete picture, upload 3–12 months of statements. Three months catches most monthly subscriptions, but a full year surfaces quarterly insurance premiums, annual software renewals, and seasonal memberships. The report gives you one list to review, including recurring merchants, annual renewals, and fees that may not appear every month.
Potential savings
Your report
Use the recurring amounts in your statement to estimate what could change before cancelling anything
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Bank statement analyzer pricing
Your first upload is free. Pay once for a single statement, or subscribe if you have many.
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One statement · no subscription
- 1 upload, up to 100 pages
- Every transaction, categorized
- Subscriptions and savings found
- Report kept for a year
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Most popular$144 billed yearly · save 37%
- Everything in Pass, plus
- 100 pages every month (~20 statements)
- Reports kept for as long as you want
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Business
$372 billed yearly · save 37%
- Everything in Pro, plus
- 500 pages every month (~100 statements)
- Never blocked: $0.08 per extra page
- REST API with your own keys
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, and software subscriptions.
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 without manually scrolling through hundreds of rows.
How can I find quarterly and yearly recurring charges?
Check 12 months of statements, not one. A quarterly charge repeats about every 90 days and a yearly one appears once, usually as a larger amount from a software, insurance or membership merchant. Upload a year of PDFs and the analyzer flags them with their cadence.
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, or contact the merchant directly. For unrecognized charges, contact your bank to dispute and block future charges.
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.
How many months of statements should I check?
Three months catches most monthly subscriptions. For quarterly or annual charges, 12 months gives a complete picture. Upload multiple statements and we'll combine the history.
Is my bank statement data kept private?
Your PDF is deleted right after analysis — we don't keep it, and never share it. Only the structured transaction data is saved to display your results.
Something else on your mind? Write to contact@mybankstatementanalysis.com.
Try it on your own statement
Your first upload is free, with no account or card. If a paid report doesn't match your statement, you get your money back within 14 days.