Subscription finder
Add the transaction exports from your bank and cards. You'll get a list of every subscription and regular bill, what they cost together, which prices went up and which ones have stopped.
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Everything you type stays in this browser. Nothing is sent anywhere or saved.
How it finds them
Charges are grouped by merchant, so "SPOTIFY P1A2B3" and "Spotify" count as one, and a merchant counts as recurring once it has charged you at least three times on a steady cycle: weekly, every two weeks, monthly, quarterly or yearly. A steady price makes it a subscription; a steady cycle with a changing amount, like a power bill, is shown as a bill whose amount varies.
A price rise is flagged when the latest charge is at least 10% and $1 more than the steady price before it. A charge is called new when it started within the last four months and your files reach back far enough to show it wasn't there before. One that has missed its usual date by a clear margin is listed as stopped and left out of the total.
Card payments, transfers between your accounts, pay and investments are set aside, since they aren't spending. Merchants that charged you a few times with no clear rhythm are left out rather than guessed at; the SmartSpend AI app checks those with AI. These are the same rules the app uses, so the list here matches what the app would find in the same transactions.
Your files are read by your own browser and never uploaded. Close the page and they're gone. For a step-by-step way to act on the list, see the subscription audit.
General education only; not personalized financial, investment, legal or tax advice. Rules, account types and rates described here are Canadian unless a post says otherwise, and dollar amounts are in Canadian dollars.
Early access
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It's in private testing now. Leave your name and email and you'll hear the moment it's ready.
- Know what's safe to spend before payday
- Catch forgotten subscriptions and price hikes
- A clear path out of card debt and toward your goals
- Works with the PDF statements you already download — no bank login