Subscription and recurring charge finder
Drop one or more bank or card exports or PDF statements to list repeating charges with their frequency, typical amount, next expected date and yearly cost. A second tab sorts every transaction into simple spending categories. No sign-up and no bank login.
Your file is never uploaded. Everything runs in your browser; this page makes no network requests while converting.
Drop one or more bank or card exports here or click to choose
CSV, XLSX, XLS, ODS, OFX, QFX, QBO or a PDF statement. Several files from the same account are fine.
Results are estimates. Check each item against your statement before you cancel or change anything.
Estimated yearly cost of ticked items: 0.00
Need the PDF rows as a spreadsheet too? RowSmith turns PDF statements into clean CSV rows.
Guides
FAQ
Are my files uploaded?
No. Your files are read by JavaScript in this tab and nothing is sent anywhere. You can check in your browser's developer tools: the Network tab shows no requests while you use the tool.
Which files can I use?
CSV, XLSX, XLS or ODS exports with a date column, a description column and either an amount column or separate debit and credit columns. OFX, QFX and QBO downloads work too, and so do text-based PDF statements with a transaction table. You can add several files at once.
Can I use a PDF statement?
Yes, if it is the text-based PDF you download from your bank or card site. The PDF is read in this tab with the same reader the RowSmith converter uses, and nothing is uploaded. Scanned or photographed statements have no text layer and can't be read; the tool tells you if a file looks scanned. Check the rows against your statement.
How does it spot a recurring charge?
It groups charges by a cleaned-up merchant name, then looks for a steady gap between them: about a week, two weeks, a month, three months or a year, with amounts that stay within about 5% (one price change is allowed and flagged). Bills such as power, water, phone or insurance may vary by up to about 35% and are marked as amount varies. Everyday spending such as groceries, dining, fuel or shopping is only listed when the amount is the same to the cent. These are estimates, so check each one against your statement.
Why is a subscription missing?
It needs enough history: at least three charges for weekly or monthly items and two for quarterly or yearly ones. For yearly charges, add 13 months or more of exports. Charges whose description or amount changes a lot each month may not be listed.
What happens if my files overlap?
Rows that appear in more than one file with the same date, amount and merchant name are counted once (for OFX files, the bank's transaction ID is used when both rows have one). Matching rows inside a single file are all kept.
How are categories chosen?
Simple keyword rules on the description, plus the recurring charges found on the first tab. You can change any row's category and the totals update. Categories are rough estimates, not financial advice.