Tool — subscription hunt
Recurring charge auditor
~20 minutesReview statements, app stores, PayPal, email, and authorized direct debits to find recurring payments you may have forgotten. Your progress stays in your browser; nothing is uploaded.
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Bank & card statements
Pull 3–6 months, not one. Annual and quarterly billers hide in the months you skip.
App stores & payment platforms
Subscriptions billed through Apple, Google, or PayPal show up under the platform, not the service.
Email & receipts
Free-trial conversions are the single most forgotten subscription category.
ACH & direct debits
These can affect your checking balance. Ask the bank which electronic-transfer protections and reporting requirements apply.
Found a line you can't place?
That's what the decoder is for — paste the exact line (PADDLE.NET*SFTWR, TST* TOASTTAB, ACHMA VISB BILL PYMNT) and it strips the dates, card numbers, and dollar amounts before matching. And when the audit is done, add the survivors to the subscription tracker so next year's renewal surprises end.
Frequently asked questions
How do I find hidden subscriptions on my bank statement?
Pull 3–6 months of statements, highlight every recurring amount, and flag any line you don't recognize within 10 seconds. Processor tokens like PADDLE.NET*, TST*, and APPLE.COM/BILL hide the real merchant name.
Why are some subscriptions billed under names I don't recognize?
Many merchants bill through payment processors or app stores, so the statement line carries the processor's name instead of the service. PayPal automatic payments, Apple Subscriptions, and Google Play Subscriptions all list the real service behind the billing token.
What subscriptions do people forget the most?
Free trials that auto-converted, annual renewals (antivirus, domains, memberships), and subscriptions billed through an old email address or a card you rarely use.
This audit is a checklist, not a bank connection — nothing here scans, stores, or uploads your accounts. Cancellation links, when present, point at the merchant's own billing. Nothing here is financial advice.