Find your forgotten subscriptions
100% private — drop in a bank statement (CSV or PDF) and see every recurring payment in seconds. Everything runs locally in your browser; nothing is ever uploaded. Read our privacy approach.
...or drag and drop a CSV or PDF statement here — your first bank is free, sign in to add more
Income & spending
Assumes the standard bank convention — negative amounts are money out, positive is money in. Most bank exports follow this, but a CSV with only a plain unsigned "Amount" column could follow either convention; if these numbers look backwards for your bank, that's why.
Net by month
Green months you saved money, red months you spent more than you brought in.
Income by month
Spending by month
Detected recurring payments
What if that money was invested instead of spent? For each recurring payment below, "Opportunity cost" estimates what its monthly amount could grow to if you put it into an investment every month instead of paying it — not money you already lost, just the cost of continuing to pay it going forward. Adjust the assumed return and time horizon to match your own expectations.
Illustrative only: assumes a steady monthly contribution and a fixed annual return with no volatility, so it's a rough what-if, not a forecast or financial advice — real returns vary and aren't guaranteed.
| Merchant | Count | Avg amount | Interval (days) | Est. monthly | Trend | Opportunity cost (if invested) | Category |
|---|
Monthly recurring spend
Top vendors by spend
Every payee ranked by total spend, not just the recurring ones above — catches large one-off purchases the recurring detector ignores.
Spend by category
Grouped by your CSV's "Category" column, if it has one. Shows "Uncategorized" otherwise — most bank exports don't include a category, so this may just be one bar.
Possible bank fees & charges
| Date | Description | Amount |
|---|
How this works
- Drop or select a CSV with columns including Date, Description, and Amount — or a text-based PDF bank statement. PDF parsing is best-effort (it reads each line for a date and an amount) and won't work on scanned/image-only PDFs or unusual statement layouts; CSV is more reliable if your bank offers it.
- Your first CSV or PDF is free, no account needed. Adding a second bank to combine into one view requires signing in; exact duplicate transactions (e.g. re-uploading an overlapping statement) are skipped automatically either way.
- The parser runs locally in your browser (using PapaParse for CSV, pdf.js for PDF).
- We group transactions by description and flag repeated payments as potential subscriptions, flag price changes between a payee's first and most recent charge, and chart your total recurring spend by month.
- We also split out income from spending (assuming the standard negative-out/positive-in convention — see the note in that section), show a net-by-month trend, and rank every payee by total spend and every category by total spend — not just the recurring ones, so a large one-off purchase shows up too.
- We also scan every transaction (not just recurring ones) for common bank-fee wording — overdraft, dishonour, account keeping, foreign transaction, ATM, late payment, and similar — so one-off fees get caught too. This is keyword-based and best-effort, so it can miss unusually worded fees or occasionally flag a merchant name that happens to contain one of those words.
- Got a false match? Click Dismiss on any row to hide it — dismissed items are remembered in this browser and won't count toward the totals. "Show them again" undoes all of them at once.
- Check "Remember this scan on this device" if you want it saved to this browser's local storage so it's still here next time you visit — off by default, and nothing is ever uploaded either way. This is separate from signing in.
- Optional: sign in to sync your detected results (not the raw transactions) across devices — see Privacy for exactly what that means.