Subscription & Waste-Spending Detector

Reveal recurring costs and monthly waste

Upload statements, paste transactions, and flag duplicate subscriptions and price hikes instantly.

Summary

Total transactions analyzed: 0

Recurring subscriptions found: 0

Estimated monthly waste: £0.00

Estimated yearly waste: £0.00

Potential savings: £0.00

These values will update automatically after analysis.

Detected Subscriptions

Run an analysis to see recurring subscriptions and possible waste.

Smart Suggestions

Insights will appear here after you analyze your spending.

AI Subscription Insights

Run an analysis to generate AI-powered subscription insights.

After Cleanup: Monthly Snapshot

Current monthly subscription spend: £0.00

Suggested cancelable monthly amount: £0.00

New estimated monthly spend: £0.00

This is an estimate based on recurring and “waste” subscriptions detected from your data.

Monthly Snapshot Graph

Visual reference of current spend, cancelable waste, and projected spend after cleanup.

Current Spend
US$0.00

Cancelable Waste
US$0.00

Post-Cleanup Spend
US$0.00

Results explainer

The snapshot highlights your current monthly spend, what looks cancelable, and where your bill could land after cleanup. It also lists repeat charges and price jumps so you can see where money is leaking and where to trim.

Disclaimer

Estimates are illustrative and for educational purposes only. This Subscription & Waste-Spending Detector does not provide financial, tax, or legal advice. Results depend on the information you enter and may not reflect actual billing terms, price changes, promotions, or usage. This tool does not access your bank or account data.

Spot the leaks and take back your cash

Treat this like a quick audit: upload a clean CSV, paste any missing app store or PayPal charges, and look for repeats, price bumps, and odd spikes. Keep what you use, cut what you don’t, and send the savings somewhere better.

What to flag first

Duplicate tools doing the same job.
Trials that rolled into paid plans you never use.
Annual renewals you forgot about.
Price bumps versus last month or last year.
Charges you do not recognize—mark them to review.

Quick cleanup moves

Sort by biggest monthly cost and tackle the top few first.
Pause or cancel anything untouched in the last month.
Rotate streaming—keep one at a time and swap monthly.
Downgrade storage or productivity tiers if you are under the limits.
When prices jump, ask support for a lower tier or promo.

Make the savings stick

The day you cancel, move that amount to an emergency fund, debt payment, or near-term goal. Set an automatic transfer so the freed-up cash doesn’t disappear into random spending. If you split services, note your share so the monthly snapshot reflects your real cost.

Keep a short note for each subscription—what it replaces, when it renews, and when you last used it. If you pay with multiple cards or currencies, label them and set the currency picker before scanning so the bars stay consistent.

Stay ahead of renewals

Set a calendar reminder a week before each annual renewal.
Turn on email alerts for “payment failed” to catch surprise charges.
Use one card or virtual cards for subscriptions to simplify tracking.
Ask about student, loyalty, or nonprofit discounts when you renew.

Privacy and safety

Clean your CSV before uploading and remove anything you don’t want analyzed. The tool runs in your browser and does not pull bank data. After exporting, clear or refresh so nothing is left open. When pasting transactions, skip sensitive lines and keep a local copy so you can re-run later without hunting for the file.

If totals look off

Check the currency setting, add missing app store or PayPal charges, and tag annual plans as yearly. Fix mislabeled items before you export. If a spike is real (overage or add-on), note it so you can downgrade once usage drops.

Rerun every month. Small increases and new apps add up fast, and the monthly snapshot bars will show the wins as you cancel, downgrade, or negotiate.

How it works

The detector scans your transactions for repeating merchants, steady amounts, and timing patterns to flag subscriptions, duplicates, and potential waste. You can edit or remove any item before exporting.

Inputs used

Uploaded CSV or pasted transactions (cleaned locally)
Currency selection
Include-yearly toggle for annual plans
Any manual edits you make before exporting

Core formulas

Recurring detection: repeating merchant names + similar amounts
Waste estimate: sum of flagged cancelable or duplicate items
Post-cleanup spend: current spend minus cancelable waste

Calculation steps

Parse your CSV or pasted lines in the selected currency.
Group repeating merchants and match similar amounts over time.
Flag duplicates, annual renewals, and price increases.
Sum current spend, cancelable waste, and post-cleanup spend.
Let you edit or delete any line before exporting the snapshot.

Example scenario

Upload two months of statements in USD. The scan finds $320 of monthly subscriptions across ten services, with $85 flagged as likely cancelable (duplicate cloud storage, an unused design tool, and a trial that auto-renewed). It also spots one annual plan at $120 due next month. After marking two items to keep and one to downgrade, the post-cleanup estimate drops to $245 per month. Export the CSV to keep a record, set a reminder for the annual renewal, and switch the currency if you need the totals in another view.

Interpretation notes

Flags are based on patterns; review each item before canceling.
Annual plans can look small monthly—check the renewal month.
Price jumps may be promos ending or real usage charges; confirm before cutting.
Shared subscriptions might overstate your share; note your portion.
Totals change with currency selection and any manual edits you make.

Limitations & assumptions

Pattern matching is illustrative and can miss irregular charges or mislabel unique buys. Taxes, FX fees, promos, and overages are not broken out separately. Annual renewals are inferred and may need a manual check. The tool does not connect to bank accounts; accuracy depends on your CSV or pasted data and your review. Use the outputs as directional, not definitive.

Disclaimer

FAQs

What does this tool estimate?

It highlights recurring charges, estimates cancelable waste, and shows a before-and-after monthly spend based on your uploaded or pasted transactions.

What’s included or excluded?

Included: recurring detection, duplicates, price changes, and a post-cleanup estimate. Excluded: automatic bank connections, taxes/fees breakdowns, and guaranteed accuracy for irregular charges.

What assumptions are used?

Pattern-based matching on merchant names, amounts, and timing. Annual renewals are inferred from cadence. Currency is applied to all totals you see.

Can I save or export results?

Yes. Review and edit items, then export a CSV or PDF snapshot for your records.

Is my data private?

The tool runs in your browser and does not pull bank data. Uploads stay local unless you choose to export files.

Is this financial advice?

No. It is an educational tool. Confirm charges with your provider and seek professional advice for money decisions.