Tool — subscription hunt
Recurring charge auditor
~20 minutesThe average American underestimates their subscriptions by 3–5 services. This checklist walks you through every hiding spot — statements, app stores, PayPal, email, and direct debits. Your progress stays in your browser; nothing is uploaded.
0 / 21 checked
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 pull straight from checking and skip card protections — gyms and insurance love them.
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.
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.