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Find every subscription in your bank statement

Drop in a CSV of your bank or credit card transactions and see every recurring charge — subscriptions and bills — with what each one costs a month and a year, and which prices went up.

  • Free, no account
  • Runs in your browser — nothing is uploaded
  • US and Canadian banks

By Checked

Drop your statement CSV here

Bank account or credit card, from any US or Canadian bank. Two or three months works best — add several files at once if you like.

Your file never leaves your browser — nothing is uploaded or stored.

How it works

  1. Download your transactions as a CSV file from your bank’s or card’s website — tips below.
  2. Drop the file on this page. Your browser reads it on your device; nothing is sent anywhere.
  3. The finder groups your charges by merchant and lists the ones that repeat on a schedule at a similar amount, with what each costs a month and a year.
  4. Check the list, then cancel what you don’t use — where there’s a guide, each line links to the steps.

What counts as recurring

  • Charges that repeat weekly, every two weeks, monthly, every three months or yearly. A monthly charge can move a few days either way.
  • Similar amounts each time. When the newest charge is higher than the ones before, it’s flagged as a price increase.
  • Bills whose amount moves, like a phone bill, shown with their recent average.
  • A single charge from a well-known subscription — a yearly plan, say — listed separately as possibly recurring.
  • Apple and Google bill many apps under one name, so those show up as Apple or Google Play.
  • Transfers, card payments and interest are left out.

How to download your transactions as a CSV

Most banks and card issuers let you download your transactions from online banking — in the US, that includes Chase, Bank of America, Wells Fargo, Capital One, Citi and American Express; in Canada, RBC, TD, Scotiabank, BMO and CIBC. The menus differ from bank to bank and change often, so these tips stay general; your bank’s help pages have the exact steps.

  • Sign in on your bank’s website. Some banking apps don’t offer downloads, so the website is the surest place.
  • Open the account or card, go to its transactions, and look for a Download or Export option.
  • Choose CSV. Some banks label it for spreadsheets or Excel — anything that saves as a .csv file works. PDF statements and QFX, OFX or Quicken files don’t.
  • Pick a date range of at least three months, so monthly charges show up more than once. A full year also catches yearly renewals.
  • Do the same for each account and card — subscriptions often sit on the card you use least. You can drop all the files in together.

Questions

Is my statement uploaded anywhere?

No. Your browser reads the file on your device and works out the results right there. Nothing is sent to Wally or anyone else, and nothing is saved — close or refresh the tab and it’s gone.

Is the subscription finder free?

Yes. It’s free, with no account and no sign-up.

Which files work?

CSV files of transactions from US and Canadian banks and credit cards: one amount column or separate debit and credit columns, with or without a header row, in most date formats. If a column is read wrong, open “Check the columns” under your file and fix it. PDF statements and Excel, QFX, OFX or Quicken files don’t work — download a CSV instead.

Why is a subscription I know about missing?

It may be billed through Apple or Google Play and show up under that name, it may be yearly and fall outside your dates, or your file may be too short for a second charge to appear. Transfers and card payments are left out on purpose. Adding more months, and every card you use, catches more.

Why does Apple show up as one line?

Apple bills subscriptions bought through the App Store — including its own, like iCloud+ and Apple Music — under one name, so your statement doesn’t say which app it was. On an iPhone, open Settings, tap your name, then tap Subscriptions to see them all.

How accurate is it?

It’s a careful guess from your statement, not a record from each company. Check each line before you act on it — open the charges on any row to see the exact dates and amounts it found.

Wally, your AI money agent

Let Wally keep watch — and cancel for you

This page reads one file, once. Wally connects to your bank and cards through Plaid, read-only, and keeps finding your subscriptions and bills on its own — and flags price hikes, duplicate charges and bank fees. Connect Gmail or Outlook and it also finds free trials and returns that haven’t charged yet.

When you want one gone, ask — say, cancel my Netflix. Wally cancels in its own browser, which you can watch. You sign in yourself — your password goes to that company, never to Wally. It starts on the cancel page for about 20 popular services and works other sites best effort. It can’t cancel subscriptions billed through Apple or Google Play for you.

This finder is free. Wally Premium is $6.99 a month or $69.99 a year on iPhone, with a 7-day free trial on the yearly plan; $69.99 a year on the web. There’s no free plan.

Download Wally on the App StoreOr start on the web

Read-only — Wally never moves your money.

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