Forgotten subscriptions hide in long statements. Open a CSV export from your bank or card and this tool groups charges by merchant, checks whether they repeat on a weekly, monthly, quarterly or yearly rhythm, and adds up what each one costs you per year. The file is read in your browser and never uploaded.
Last updated:
Drop a bank or card CSV hereor
Read in your browser only. Nothing is uploaded.
Columns & detection settings
Quarterly, twice-yearly and yearly plans need 2 charges in the file, so use a 13-month export to catch yearly renewals.
Recurring charges found
Include
Merchant
Billed
Amount
Last / next
Per year
Annual cost by subscription
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How to use the Recurring Charges Finder
Export transactions from your bank or card website as CSV. Choose at least 3 months; 12 months also catches yearly renewals.
Drop the file onto the box, choose it with Open CSV, or paste the text. A sample statement is analyzed first so you can see the result.
Check the columns the tool picked for date, description and amount, and flip the sign setting if your card export lists purchases as positive numbers.
Review the list. Untick rows that are not subscriptions (for example a weekly grocery run) and the totals update.
Download the CSV or copy the summary, then cancel or downgrade what you no longer use.
How recurring charges are detected
The finder works only with money going out of the account. Each charge goes through four steps:
Clean the merchant name. Card prefixes (POS, CHECKCARD, ACH DEBIT), phone numbers, store numbers, reference codes after * or # and trailing state codes are removed, so NETFLIX.COM 866-579-7172 CA and POS NETFLIX.COM*R8T2Q both become Netflix.
Measure the gaps. Charges from the same merchant are sorted by date and the days between them are measured. The median gap decides the billing period, and at least 70% of the gaps must fit that period (one skipped month is tolerated for monthly and shorter plans).
Check the amounts. At least 70% of the charges must be within the chosen tolerance of the typical amount, or the amounts may change once (a price increase). Random spending at the same store, such as groceries, fails this test.
Split plans by price. When one merchant bills two different regular amounts (for example two app subscriptions through the same app store), each price level is tested on its own and listed separately.
Billing periods and annual cost multipliers
Billing period
Gap between charges
Charges per year
Example: $9.99 per charge
Weekly
5–9 days
52
$519.48 per year
Every 2 weeks
12–16 days
26
$259.74 per year
Monthly
26–35 days
12
$119.88 per year
Quarterly
82–100 days
4
$39.96 per year
Twice a year
170–196 days
2
$19.98 per year
Yearly
350–380 days
1
$9.99 per year
Annual cost = latest charge × charges per year. Monthly cost = annual cost ÷ 12. A weekly plan costs 52 ÷ 12 ≈ 4.33 times its price per month, which is why weekly and every-two-weeks deliveries often surprise people.
What to do with the list
Sort by yearly cost and ask of each line: did I use this in the last month? Would I sign up again today at this price?
Watch price increases. Rows tagged Price up changed amount during the statement period; the annual cost uses the new price.
Check "Possibly cancelled" items on your other cards. A subscription that stopped on this account may have moved rather than ended.
Look for duplicates, such as two music or cloud storage plans, or a family plan plus an individual one.
Consider switching to yearly billing for services you keep long term, when the yearly price is lower than 12 monthly charges.
Frequently asked questions
How does the tool decide a charge is recurring?
It groups outgoing transactions by a cleaned-up merchant name and similar amount, then measures the days between charges. If most gaps fall close to a standard billing period (7, 14, about 30, about 91, about 182 or about 365 days) and the amounts are similar, the group is reported as recurring. High confidence means at least three charges with regular gaps and stable amounts; medium means fewer charges or a little more variation.
How is the annual cost calculated?
The most recent charge amount is multiplied by the number of billing periods in a year: 52 for weekly, 26 for every two weeks, 12 for monthly, 4 for quarterly, 2 for twice a year and 1 for yearly. The latest amount is used so price increases are reflected. The monthly figure is the annual cost divided by 12.
Why is a subscription I know about missing?
Common reasons: the statement covers too few months (quarterly, twice-yearly and yearly plans need two charges inside the file; weekly to monthly plans need three by default), the merchant name changes from charge to charge, or the charge is billed to a different card. Lower the minimum number of charges to 2 or add a longer export.
Is my bank data uploaded anywhere?
No. The CSV is read by JavaScript inside your browser tab and is never sent to a server. Nothing about the transactions is stored, and closing the page discards everything. You can also delete account numbers from the file before opening it.
What does Possibly cancelled mean?
The last charge is older than one and a half billing periods before the end of the statement, so the expected next charge did not appear. It may have been cancelled, paused or moved to another card. Cancelled items are left out of the totals by default.
Which file formats work?
Plain CSV or text exports, including files with a few summary lines above the header, amounts like (12.99) or 12,99, and dates in year-month-day, month/day/year or day/month/year order. For an Excel file, save it as CSV first.
Are all the tools on FreeToolCabin tested for quality and accuracy?
Yes! Every tool on our site undergoes automated Q/A testing in real browser environments to ensure high precision, correct output, and zero errors. If you happen to spot a bug or have a suggestion, please contact us at [email protected] and our team will review it right away.