How do you find every subscription you are paying for?
Choose a statement from your bank and this lists every charge that repeats — subscriptions, memberships and bills — with what each one costs a year. It runs in your browser, with no bank login and nothing uploaded.
Do I have to connect my bank account?
No. You download a statement from your bank yourself and choose the file here, and it is read in your own browser — there is no bank login, no aggregator and no upload. You can confirm nothing is sent by watching your browser’s network tab while it runs.
How does it decide a charge is a subscription?
It looks for the same merchant charging on a regular schedule — every week, every two weeks, every month, every quarter or every year — at least three times, or twice for a yearly renewal. One missed month is allowed, because a declined card happens; anything less regular than that is left out rather than guessed at.
What about bills that change every month?
They are listed separately, as bills that vary. An electricity bill keeps a schedule even though the amount moves, and a streaming service that raised its price is shown as one subscription at its new price rather than as two different ones.
Why did it miss one of my subscriptions?
Usually because the statement is too short for the pattern to show. A monthly charge has to appear three times, so three months of history is the least that works and a year is better, because a year also catches the annual renewals. Money sent to people or moved between your own accounts is left out on purpose.
What does it cost?
Nothing, and there is no account or email address to give. It uses the statement reader built into Accountable, where the same file can be imported and every repeating charge set up to appear on the calendar before it is due.
Can it cancel a subscription for me?
No. It tells you what repeats and what each one costs a year; cancelling is done with the merchant, where only you can do it. Services that cancel on your behalf need the logins to your accounts, which is the trade this tool exists to avoid.