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 Compare receipt text with possible descriptor matches locally. A match does not predict an exact statement line or prove identity. Billing phone lookup Compare a statement phone string with source-reviewed contact records. A match does not prove the caller or transaction. Report a charge Send a structured report of a descriptor we haven't decoded — it composes an email, nothing is uploaded. Hold or charge? Organize transaction status and account checks. The tool cannot establish authorization, fraud or a particular payment mechanism. Subscription tracker List every recurring payment and see your real monthly total. Stays in your browser. Dispute window calculator Calculate illustrative reporting dates under stated payment-rail assumptions. Confirm the applicable process with your issuer. 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 Draft an editable cancellation inquiry. The draft does not establish legal enforceability or a completed cancellation. 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 Organize one payment inquiry with a draft letter, reporting-date assumptions and an evidence checklist. Prints locally; no account-specific outcome is established. Fraud Triage Map Compare a descriptor with evidence-aware references and organize issuer inquiries. A registry match cannot establish fraud or consent. Refund Timeline Predictor Use independently reviewed payment-method bounds for an illustrative estimate. The tool does not track a refund or promise its arrival. Compare Charges Compare two statement descriptor references and their evidence status. Similar wording does not establish the same merchant or fraud.
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 helps you record payments and follow up with the actual billing provider.
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*).
Merchant dossiers list retained statement descriptors, inspected policy fields and evidence limitations. Unsupported refund estimates and cancellation routes are unavailable:
adidas Billing reference, source notes and evidence limits Airbnb Billing reference, source notes and evidence limits Amazon Billing reference, source notes and evidence limits Apple Billing reference, source notes and evidence limits Best Buy Billing reference, source notes and evidence limits Chewy Billing reference, source notes and evidence limits Costco Billing reference, source notes and evidence limits DoorDash Billing reference, source notes and evidence limits eBay Billing reference, source notes and evidence limits Etsy Billing reference, source notes and evidence limits Google Billing reference, source notes and evidence limits Grubhub Billing reference, source notes and evidence limits Instacart Billing reference, source notes and evidence limits Lyft Billing reference, source notes and evidence limits Microsoft Billing reference, source notes and evidence limits Nike Billing reference, source notes and evidence limits Nordstrom Billing reference, source notes and evidence limits REI Billing reference, source notes and evidence limits Sephora Billing reference, source notes and evidence limits SHEIN Billing reference, source notes and evidence limits Steam Billing reference, source notes and evidence limits Target Billing reference, source notes and evidence limits Temu Billing reference, source notes and evidence limits The Home Depot Billing reference, source notes and evidence limits Ticketmaster Billing reference, source notes and evidence limits Uber Eats Billing reference, source notes and evidence limits Ulta Beauty Billing reference, source notes and evidence limits Walmart Billing reference, source notes and evidence limits Wayfair Billing reference, source notes and evidence limits Zara Billing reference, source notes and evidence limits