The workbench
Statement tools
The short path between "what is this line" and "what do I do about it." Every tool runs in your browser — nothing is uploaded or tracked. The subscription tracker and charge auditor save your entries only in your browser's local storage, on your own device.
Decode a charge Paste any statement line — dates, card numbers and $ amounts get cleaned automatically. Decode a statement PDF Drop a bank or credit card statement PDF and decode every cryptic descriptor at once — read entirely in your browser, nothing uploaded. Decode a receipt Paste a digital receipt or order email and predict exactly what the charge will look like on your bank statement — AMZN MKTP US*, DD *DOORDASH, UBER *TRIP. Billing phone lookup Type the phone number in a descriptor and see which merchant it belongs to — Apple, Adobe, Roblox, Zoom, and more. Report a charge Send a structured report of a descriptor we haven't decoded — it composes an email, nothing is uploaded. Hold or charge? Answer five questions and find out whether a mystery amount is a hold, a legit charge, a subscription, card fraud, or a dispute. Subscription tracker List every recurring payment and see your real monthly total. Stays in your browser. Dispute window calculator Enter your statement date and get your real dispute deadline — FCBA for credit cards, Reg E tiers for debit. Recurring charge auditor A step-by-step hunt for hidden subscriptions across statements, app stores, PayPal, and ACH — no bank login. Dispute letter Generate a formal chargeback letter with your bank’s details filled in — copy, print, or save as PDF. Cancellation Generator Generate a legally robust subscription cancellation email with CCPA/GDPR data deletion requests. CSV Statement Scanner Scan your bank CSV statement directly in your browser to identify confusing charges. 100% private. Statement Forensics & Review Workspace Drop in 2+ monthly CSV statements to surface recurring charges, triage line-items, catch silent price hikes, and resolve bank rail codes. 100% private in-browser. Dispute Dossier Builder Build a complete dispute kit — deadline, formal letter, and evidence checklist — for one charge. Prints as a single dossier, nothing leaves your browser. Fraud Triage Map Paste any descriptor and get a triage map: known merchant, caution flags, or not in our database — with the right next step for each. Refund Timeline Predictor Pick a merchant and payment method, enter when your return was processed, and get the expected refund window as real calendar dates. Compare Charges Compare any two bank statement descriptors side-by-side to understand formatting differences and spot fraud patterns.
Not sure which tool?
See a line you can't identify? Start with Decode a charge. See an amount you didn't expect? Hold or charge? walks you through it. And if it's a subscription you forgot, the tracker will stop the next one.
Explore by merchant or bank
If you know the processor or bank, browse our curated hubs for detailed guidance on how they format their statements: Payment Processors, Software Subscriptions, Chase Bank, Citibank, and Square (SQ*).
Waiting on a refund? Merchant dossiers cover statement descriptors, refund windows by payment method, charge visibility, and cancellation steps:
adidas Refund windows by method + statement descriptors Airbnb Refund windows by method + statement descriptors Amazon Refund windows by method + statement descriptors Apple Refund windows by method + statement descriptors Best Buy Refund windows by method + statement descriptors Chewy Refund windows by method + statement descriptors Costco Refund windows by method + statement descriptors DoorDash Refund windows by method + statement descriptors eBay Refund windows by method + statement descriptors Etsy Refund windows by method + statement descriptors Google Refund windows by method + statement descriptors Grubhub Refund windows by method + statement descriptors Instacart Refund windows by method + statement descriptors Lyft Refund windows by method + statement descriptors Microsoft Refund windows by method + statement descriptors Nike Refund windows by method + statement descriptors Nordstrom Refund windows by method + statement descriptors REI Refund windows by method + statement descriptors Sephora Refund windows by method + statement descriptors SHEIN Refund windows by method + statement descriptors Steam Refund windows by method + statement descriptors Target Refund windows by method + statement descriptors Temu Refund windows by method + statement descriptors The Home Depot Refund windows by method + statement descriptors Ticketmaster Refund windows by method + statement descriptors Uber Eats Refund windows by method + statement descriptors Ulta Beauty Refund windows by method + statement descriptors Walmart Refund windows by method + statement descriptors Wayfair Refund windows by method + statement descriptors Zara Refund windows by method + statement descriptors