Find every recurring charge in a bank statement
Paste transactions from your banking app, or drop a CSV from your bank's website. Everything stays on this device. Nothing is uploaded, and there is no account.
On a phone, paste transactions straight from your banking app. On a computer, drop the CSV your bank exports. 12 months of history is what finds the yearly charges.
Drop a CSV here, or choose a file
Accepted: .csv from any bank or card
Open your banking app, select the last 12 months of transactions, copy, and paste here. Nothing leaves this device.
How do I export a CSV?
- Sign in to your bank or card on its website, open the account, and look for Download, Export or Statements.
- Choose CSV (sometimes called Excel or spreadsheet format), and the longest date range offered, ideally 12 months or more.
- Open nothing else: come back here and drop the file. It is read in this tab and never sent anywhere.
How do I copy transactions from my banking app?
- Open the account and its transaction list, then choose the longest range you can — 12 months finds the yearly charges.
- Select the list and copy it. Many apps let you select all in the transaction view or in a statement view; some need a long-press on the first row.
- Paste it into the box above. If the page cannot read it, use the column picker that appears, or export a CSV from the bank's website instead.
What it finds
- Recurring charges: a merchant that repeats on a monthly, quarterly or yearly rhythm, with the amount, how many times it appeared and the yearly cost.
- Price changes: a recurring charge that moved to a new amount and then repeated at that amount, with the difference over a year.
- Renewals: charges on that list expected in the next 30 days.
It is the same detector Spendalyst runs on a connected account, so the evidence bar is the same: a one-off charge, or a merchant whose amount changes every time, is not called recurring.
What stays in your browser
Everything in the file. It is opened with your browser's own file reader and parsed in this tab; no request carries any of its contents. The page records only counts: rows read, months covered, and how many findings there were.
What it cannot see
- Anything billed through Apple, Google or PayPal under their name rather than the service's, and anything on a card or account that is not in the file.
- Yearly charges in a file shorter than 13 months.
- A merchant whose name is printed differently on each charge, since the charges cannot be matched to each other.
Questions
- Is my statement uploaded anywhere?
- No. The file is read in your browser tab and never sent to a server. The only thing recorded is a count: how many rows were read and how many findings there were. Never merchants, amounts or dates.
- How many months should the CSV cover?
- At least 12 months. A recurring charge needs at least two months to show a pattern, and a yearly charge needs 13 months before it can be confirmed, so a short export will miss annual renewals.
- Does it work on a phone?
- On a phone, copy transactions from your banking app's list and paste them into the box; on a computer you can also drop a CSV export. Either way everything is read in your browser and nothing is uploaded.