Recurring charges finder
Find recurring charges
Upload a PDF — see every subscription , membership , and forgotten fee in 30 seconds.
What you'll get
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
$1,850
Largest expense
$103
Avg / transaction
22
Active days
Saturday
Busiest day
AI Insight
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
Spending breakdown
$4,844 across 7 categories
Financial Health
Recurring · $4,188/yr
Potential monthly savings
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
The problem
You're paying for things you forgot about
The silent drain
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. The average person underestimates their monthly subscription spending by 2–3×.
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.
What AI detects
Every type of recurring charge — automatically
Not just subscriptions. Every payment that repeats at a regular interval.
Streaming
Netflix, Hulu, Disney+, HBO Max, Spotify, YouTube Premium
Software & apps
Adobe, Microsoft 365, Dropbox, Notion, iCloud, Google One
Memberships
Gym, Amazon Prime, Costco, clubs, co-working spaces
Insurance
Health, car, renters, life insurance — monthly or annual premiums
Utilities & bills
Internet, phone plan, cloud storage upgrades, VPN services
Free trials gone paid
Trials that silently converted after 7 or 30 days — the sneakiest ones
Average savings
$23/mo
Users save $23/mo on average after finding and cancelling unused subscriptions
How AI finds recurring charges you forgot about
The average person pays for 12+ active subscriptions but regularly uses only about five. The rest —old streaming trials,gym memberships,cloud storage upgrades— quietly drain $200–$600 per year.
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. Most users find at least 2–3 subscriptions they had completely forgotten about.
Secure
Your PDF is processed in memory and never saved to disk. All data is encrypted in transit.
Private
We never sell or share your financial data. Anonymous uploads are auto-deleted after 7 days.
Transparent
No hidden fees, no account required. Try it without an account, or create a free account for 1 analysis per month.
Pricing
See where your money goes
Upload a statement and get answers in seconds. No card required.
- 1 analysis / month
- 50 transactions per document
- Auto-categorized transactions
- Money flow visualization
- Export to CSV, Excel, QIF, OFX & QBO
- 500 pages / month
- 100 transactions per document
- Everything in Free
- AI savings advisor chat
- Find hidden subscriptions
- 12 months history
- Everything in Basic
- Unlimited pages
- Unlimited transactions per document
- 5 image recaps / month
- Priority support
FAQ
Recurring charges — questions answered
Ready?
Upload one statement.
Get the full picture.
No credit card. No account. Drop a PDF and see every transaction categorized in 30 seconds.
Try it free →Related reading
How to Find Subscriptions on Your Bank Statement
A step-by-step guide to spotting recurring charges you forgot about.
What Amazon Looks Like on a Bank Statement
How Amazon, Prime, AWS, and Alexa appear as billing descriptors.
What Does POS Mean on a Bank Statement?
What point-of-sale codes mean and how to trace unfamiliar card charges.