Subscription Finder
Paste your bank or card transactions and spot every recurring charge — cadence, next charge date and projected annual cost, ranked by yearly spend. Runs entirely in your browser: no bank linking, no upload, no sign-up.
What this tool does
Paste a list of your bank or card transactions and this tool finds the recurring charges hiding in them — the subscriptions and memberships that quietly renew every month or year. It groups repeat charges from the same merchant, works out how often each one bills, estimates the next charge date, and projects what each is costing you per year. Everything runs locally in your browser — nothing is uploaded, there's no bank linking, and no sign-up.
Give it one transaction per line as date, description, amount:
2026-01-15, Netflix, 15.99
Most bank and card exports (CSV) already look like this, or can be pasted and lightly tidied to match. A header row or any line that doesn't parse is simply ignored.
Worked example
Paste this:
2026-01-01, Netflix, 15.99
2026-02-01, Netflix, 15.99
2026-03-01, Netflix, 15.99
2026-01-05, Spotify, 9.99
2026-02-05, Spotify, 9.99
2026-01-10, Corner Cafe, 4.50
and you get:
Found 2 recurring charges · $25.98/mo · $311.76/yr projected
1. Netflix — $15.99 monthly ×3 · next ~2026-03-31 · $191.88/yr
2. Spotify — $9.99 monthly ×2 · next ~2026-03-08 · $119.88/yr
Total: $25.98/mo · $311.76/yr
Netflix and Spotify each repeat, so they're flagged; the one-off Corner Cafe charge
is not. Charges are ranked by projected annual cost so the expensive habits sit at
the top.
How it reads each charge
| Column | What it does |
|---|---|
| Merchant | The first spelling seen for the group. Repeat charges are matched on a normalized merchant name, so NETFLIX #1234 and Netflix group together. |
| Amount | The typical (median) charge. Small variations group too — $15.99 and $16.20 from one merchant count as the same subscription. |
| Cadence | The median gap between charges → weekly, biweekly, monthly, quarterly, semiannual, annual, or every ~N days for anything irregular. |
| ×N | How many matching charges were found. |
| Next ~date | An estimate: the last charge date plus the median interval. |
| Per year | The amount × charges per year — what it projects to annually. |
Options
- Minimum occurrences (2–24) — how many times a charge must repeat before it's
called recurring. The default is
2. Raise it if you have lots of history and only want well-established subscriptions. - Currency symbol — the symbol shown in front of amounts (
$,£,€, …). It's cosmetic; the tool never converts between currencies. - Date format —
autohandles ISO (2026-01-15) and slash dates, guessing US vs EU from the day numbers. Forceiso,us(MM/DD/YYYY) oreu(DD/MM/YYYY) if your dates are ambiguous (e.g. every day is ≤ 12).
Limits and edge cases
- It reads only the columns you paste — date, description, amount. It can't open a PDF statement, link to your bank, or auto-sync; export or copy your transactions as text first.
- Detection needs at least the minimum-occurrences number of matching charges, so a brand-new or annual-only subscription with a single visible charge won't be flagged until it repeats.
- Amounts are read as magnitudes — a
-9.99debit and a(9.99)are both a9.99charge. It doesn't tell debits from credits, so a repeated refund could show up. - Cadence and the next-charge date are estimates from the spacing of past charges, not a guarantee of when a merchant will actually bill.
- It never cancels anything or contacts a merchant — it just shows you what's recurring so you can decide.
FAQ
Is my statement data private?
Yes. The whole tool runs in your browser — your transactions are never uploaded to a server, there's no bank linking, and nothing is stored. You can even run it offline once the page has loaded.
What format should each line be in?
One transaction per line as date, description, amount, for example
2026-01-15, Netflix, 15.99. Only the first field is treated as the date and the
last as the amount, so a description containing commas still works. Amounts can
include a currency symbol or grouping commas ($1,299.00). Header rows and any line
that doesn't parse are skipped.
Why isn't one of my subscriptions showing up?
A charge only counts as recurring once it appears at least the minimum-occurrences
number of times (default 2). If a subscription bills annually, or you only pasted one
month, there may be just a single charge to see — paste more history or lower the
minimum. Charges whose amounts differ a lot between months may also land in separate
groups.
How is the yearly cost worked out?
From the detected cadence: a monthly charge is multiplied by 12, weekly by 52, annual by 1, and so on. The amount used is the median of the matching charges, so an occasional price blip doesn't skew the projection. The next-charge date is the last charge plus the median gap between charges.
My dates are day/month — how do I read them correctly?
Set Date format to eu for DD/MM/YYYY (or us for MM/DD/YYYY). auto guesses
from the numbers — it can tell 13/01/2026 is day-first — but if every date has a day of
12 or lower it's genuinely ambiguous, so pick the format explicitly.
Developer & Automation Access
Run it from the terminal
Same engine as this page, headless — via the gizza CLI:
gizza tool subscription-finder "2026-01-15, Netflix, 15.99"New to the CLI? Get gizza →
Open it by URL
Pre-fill and auto-run this tool with query parameters — the names match the API/CLI:
https://gizza.ai/tools/subscription-finder/?transactions=2026-01-15%2C%20Netflix%2C%2015.99&min_occurrences=2¤cy=%24&date_format=autoMachine-readable descriptor: tool.json — title + parameters JSON Schema for agents.