Free tool
Recurring charge finder
Paste a chunk of your statement — one transaction per line — and see which charges repeat, how often, and what they cost you. Nothing you paste here leaves your browser.
Runs entirely in your browser — nothing you paste is uploaded.
Want names, not just patterns?
This quick check groups identical-looking descriptors. The full statement upload goes further: it identifies the merchant behind each descriptor, detects cadence (weekly/monthly/annual), estimates the next charge date, and flags trials that converted and prices that went up.
Why recurring charges are hard to spot by eye
Three things defeat a manual scan of your statement. First, billing dates drift: a 'monthly' subscription lands on the 3rd, then the 5th, then the 2nd, because of weekends and month lengths — so scanning one date column misses it. Second, descriptors vary between charges from the same merchant: reference numbers change, city fields flicker, prefixes come and go. Third, cadence isn't always monthly — weekly app charges and annual renewals both escape a month-by-month review.
This tool groups your pasted statement lines by normalised merchant, then checks the gaps between charges with tolerance for drift — so it recognises 'roughly every 30 days' rather than demanding a fixed date.
What to do with what you find
For each recurring charge, decide: recognised and wanted (fine), recognised but unwanted (cancel it in the service's own settings — app-store subscriptions cancel through the store), or unrecognised (identify it before disputing; most 'mystery' recurring charges are legitimate services billing under a parent company or processor name).
For the unrecognised ones, paste the exact descriptor into the identifier on our homepage — exact strings match far better than cleaned-up guesses. If you want this done for a whole statement at once, with amounts, yearly costs and trial-conversion flags, upload it to the analyzer instead of pasting lines.
'Grey charges' and card-testing — recurring charges that aren't really yours
Not every repeating charge is a subscription you forgot. Grey charges sit in the gap between clearly legitimate and clearly fraud: a free trial that converted, a 'negative option' you were opted into at checkout, a price that quietly rose, or a service you cancelled that kept billing. They pass a casual glance because the merchant name is real — the problem is you didn't mean to keep paying.
A smaller, nastier pattern is card testing: tiny recurring amounts (a few cents or a dollar) from a name you don't know, used by fraudsters to check a stolen card still works before a big hit. If you spot that, the fix isn't to dispute the one charge — it's to ask your bank to replace the card.
Frequently asked questions
What input does the finder expect?
Paste statement lines — one transaction per line, ideally with dates and amounts. It tolerates copy-paste artefacts and mixed formats; more months of history means better cadence detection.
How many months should I paste?
Three months catches monthly subscriptions reliably. Twelve months also catches annual renewals — the charges most likely to surprise you.
Why did it miss a subscription I know I have?
Usually because the charges appear under different descriptors (e.g. app-store billing bundles several services under one line) or the pasted window doesn't include two occurrences. The full statement analyzer handles both cases better than pasted fragments.
Can it tell me whether a recurring charge is safe to cancel?
It tells you what repeats and how often. Whether to cancel is yours — but the yearly-cost view usually makes that decision easy.
What is a grey charge?
A charge that's technically authorised but not something you'd knowingly agree to keep paying — converted trials, sneaky auto-renewals, opt-out extras and post-cancellation billing. They're the most common 'why am I still paying for this?' charges.
I found a recurring charge I don't recognise — what should I do?
Identify it before disputing: paste the exact descriptor into the identifier, since most mystery recurring charges are real services billing under a parent-company or processor name. If it's genuinely unauthorised — especially tiny repeated amounts — treat it as card testing and ask your bank to reissue the card.
Stop paying for forgotten things
Find every subscription on your statement in one upload
StatementDecoder detects recurring charges across name variations and drifting billing dates — with yearly costs, next-charge estimates and flags for trials that converted. Free account, no card required.
No bank logins · card numbers redacted before storage · everything deleted after 24 hours
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