Free subscription finder and tracker
Drop bank or card exports, check the columns, and see your recurring payments with their yearly cost. Mark subscriptions you want to cancel to estimate your savings.
Free, with no account. Nothing is uploaded: your transaction files and results stay in this browser.
Choose transaction exports
Use 3+ months in one currency. Add several files to merge accounts or overlapping exports; duplicates match date, amount and description. All nonempty workbook sheets are included. The first 20 rows can be selected as the header. Only money going out counts.
Check the guessed columns
Choose an export to begin.
Recurring payments
Estimated total yearly cost:
You'd save $0.00 a year.
| Payee | Cadence | Typical amount | Last charged | Next expected | Yearly cost | Charges | Cancellation plan |
|---|
Next charges and costs are estimates based on the export. Check the original transactions before acting. Marking a row does not cancel a payment.
No recurring payments found
- Wrong column picked: check date, payee and amount columns.
- Export too short: try 3+ months, or longer for quarterly and yearly payments.
- Transfers only: transfers, card payments, payroll and ATM withdrawals are excluded.
Possible subscriptions
Two monthly charges need more history. These are excluded from yearly cost and savings totals.
Excel and CSV parsing uses the locally vendored SheetJS Community Edition (Apache-2.0). Files are read only after you select them.
Frequently asked questions
How does the subscription finder work?
Choose CSV, XLSX or XLS exports from your bank or card, then check the guessed columns and date format. The tracker groups outgoing payments by payee and checks their dates and amounts. It includes subscriptions, loans, insurance and memberships.
How much transaction history should I use?
Use at least 3 months, and preferably 12 months. Most patterns need 3 charges; yearly payments need 2 charges about a year apart, so a longer export may be necessary. Two monthly charges appear as possible subscriptions, outside the total.
What counts as a recurring payment?
Every gap must fit weekly (5–9 days), every two weeks (11–17), monthly (25–35), quarterly (81–101) or yearly (345–385). Amounts are clustered with a 15% tolerance; one renewal price step is allowed. Transfers, card payments, payroll and ATM withdrawals are excluded.
How are yearly cost and price increases calculated?
Yearly cost uses the typical amount at the current rate times 52, 26, 12, 4 or 1. A price rise flag means the latest charge exceeds the median by more than 5%. Next dates are estimates. Cancellation checkboxes estimate savings; they do not cancel anything. Use files in one currency; amounts display with a dollar sign.
Are my bank transactions uploaded?
Nothing is uploaded: your transaction files and results stay in this browser. No account or bank login is needed. The spreadsheet reader loads from this site only after you choose a file. Download your results as CSV, or clear the files when finished.
More tools
Images & PDFs
- Receipt scanner
- Subtitle generator
- Video Editor: Trim, Join and Resize
- Product Photo Background Remover
- Image to SVG Tracer
- Image compressor
- Image converter
- Image resizer
- GIF maker
- JPG to PDF
- PDF to JPG
- PDF merger
- Fillable PDF Form Builder
- PDF to Word and Excel
Text & codes
- Text to Speech and Voiceover
- Spreadsheet Cleaner
- Auction Organizer
- Recall Check
- Data Finder
- Page to Markdown
- Word counter
- Character counter
- Fancy font generator
- JSON formatter and validator
- QR code generator
- Barcode generator
- Password generator
- YouTube transcript from captions
- Website score (on cowerx.dev)