Bank Statement Analysis —
Identify Every Recurring Charge
Upload your bank statement to identify recurring charges, subscriptions, and monthly expense patterns. No manual entry. No bank login. Make it a monthly habit.
What You Get
- Recurring charge detection — every charge that repeats, grouped by vendor
- Subscription identification — streaming, software, fitness, and cloud services
- Fixed vs variable expenses — automatically separated by category
- Charges worth reviewing — unrecognized or flagged recurring items
Upload a CSV or Excel (.xlsx) file exported from your bank to begin analysis.
Example Output
This is an example of what the analysis returns — structured, grouped, and ready to act on. Your results will reflect your own transactions.
What the scanner reveals about your spending patterns
Most people can name their biggest bills — rent, car payment, utilities. What surprises people is the layer of smaller recurring charges underneath: a fitness app that went from $9 to $14 without notice, a free trial that converted to paid six months ago, a BNPL installment still quietly drafting. The scanner surfaces all of it in one pass.
- Fixed Monthly Bills — rent, utilities, insurance, phone, childcare
- Debt Payments — loans, buy-now-pay-later, credit card autopays
- Active Subscriptions — streaming, software, fitness, cloud storage
- Unrecognized Recurring Charges — charges without a clear service match
- Possible Duplicates — same vendor, same amount, within days of each other
- Price Creep — services where the amount quietly increased over time
How to find hidden subscriptions in your bank statement
The fastest way to find every recurring charge is to export 2–3 months of transaction history from your bank and scan for repeating vendor names and amounts. Manually doing this in a spreadsheet takes an hour. This scanner does it in seconds — grouping by vendor, flagging by frequency, and surfacing only the charges worth reviewing.
The charges most commonly missed are quarterly and annual subscriptions — they appear so infrequently that they drop out of memory. Uploading 3+ months of history catches these. For best results, use a statement window that includes a full calendar quarter.
Frequently asked questions
How does the free expense scanner work?
Export a CSV or Excel file from your bank's website, then drop it into the scanner. The tool reads every transaction, groups charges by vendor, and classifies them as Fixed Bills, Debt Payments, Subscriptions, or unrecognized recurring charges. Results appear in seconds — no account or bank login required.
Is my bank statement data safe?
Your file is processed immediately and never saved to our servers. We don't connect to your bank or share your data. If you enter your email to unlock the full results, that's the only information we keep.
Which banks and file formats are supported?
Any bank that lets you export a CSV or Excel (.xlsx) file is supported — Chase, Wells Fargo, Bank of America, Citi, Capital One, and most credit unions. Log in to your bank's website, find the "Download" or "Export" option on your account page, and select CSV or Excel. Select 2–3 months of history for the most complete picture.
What is the difference between this scanner and MindsBudget?
The scanner is a free, one-time tool that identifies recurring charges from a single statement — no account required. MindsBudget is a monthly financial review system — it calculates a Financial Health Score (0–100), tracks how your score and spending change over time, and stores your review history so you can compare month to month. The scanner is the starting point; MindsBudget is the ongoing system.
How do I find and cancel forgotten subscriptions?
Upload 2–3 months of bank statements to catch subscriptions that charge quarterly or annually — they are the easiest to miss. The scanner flags every charge it can't match to a recognized service in the "Charges Worth Reviewing" section. For each flagged charge, Google the vendor name to identify it, then log in to that service and cancel if unused.
More financial tools and guides
- All Free Financial Tools — budget calculator, paycheck planner, health score quiz
- Monthly Budget Calculator — see your expense-to-income ratio instantly
- Paycheck Planner — see exactly how much is left after bills per paycheck
- Financial Health Score Quiz — find out where you stand in 60 seconds
- All Financial Guides — in-depth guides on subscriptions, budgeting, and financial reviews
- How to Find All Your Recurring Subscriptions — every place they hide
- Monthly Spending Review Guide — the complete 15-minute monthly review process
- Subscription Audit — step-by-step process to cancel every forgotten charge