Subscriptions and recurring charges
Find the subscriptions on your bank statement
Upload your statement PDF. We list every charge that repeats on a regular schedule, how often it lands, what it costs per month and per year, and where to cancel it when we know.
How a charge is recognised
There is no list of known subscription companies behind this. We look at the dates and amounts on your statement and keep any payee that has taken money on a regular schedule (weekly, every two weeks, monthly, quarterly or yearly) at a steady price. That means it also finds bills and small services nobody has heard of. A one-off purchase at the same company is left out and does not hide the regular charge.
- Shops, supermarkets, cafes and takeaways, transport and fuel, and cash withdrawals are never counted, however regular: that is spending, not a subscription.
- A monthly, quarterly or yearly charge needs to appear at least twice, an every-two-weeks charge three times and a weekly charge four times. Two charges must be within 3% of each other. With three or more, the price can change once and still count, but a bill that is a different amount every time (like electricity) does not.
- Each charge is marked high confidence when we have seen it at least three times on a steady schedule, and medium when we have only seen it twice.
- Per year is the latest charge times the number of charges in a year (12 for monthly, 52 for weekly, 26 for every two weeks, 4 for quarterly). Per month is that yearly figure divided by 12.
What each amount of history can show
A charge has to appear more than once before it can be called recurring, so what we find depends on how many months your statements cover. If an upload is too short for something, the results page says so.
| Statements covering | What can show up |
|---|---|
| One month | Weekly charges (four in the month) and every-two-weeks charges (three). Monthly subscriptions appear only once, so they will not show yet. |
| Two months | Monthly subscriptions and other monthly charges, with their cost per month and per year. |
| Three months | Price rises: the same company charging you three times, with the latest charge more than 8% above the first. |
| More than three months | Quarterly charges. |
| More than twelve months | Yearly renewals, the charges that are easiest to forget because they only land once a year. |
Subscriptions and regular payments
Rent, bills and transfers that go out on a schedule are listed apart, as regular payments: they count towards the yearly total, but they are not subscriptions and get no cancel advice.
Where to cancel
For the services listed below, the results page links to that company's own subscription or account page. For anything else we say that we do not have a link, rather than guess one. We do not cancel anything on your behalf and we charge nothing for the links.
Netflix, Spotify, Disney+, Hulu, Max, Paramount+, Peacock, Apple, Google, YouTube, Amazon Prime, Adobe, Microsoft, Dropbox, Notion, Canva, Figma, Anthropic, LinkedIn Premium, Duolingo, Patreon, Substack, New York Times, Nintendo
What it costs
Reading one statement, with every recurring charge we find in it and the cancel links, is free. Reading several statements together, which is what finds monthly, quarterly and yearly charges, needs statement credits or a plan. See prices.
Nothing stored
Your statement is read in memory to build the results page and never written to disk. We do not ask for your bank login.