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Find the charges you forgot you're paying for.

Load your bank or card statement. We find every charge that repeats, flag the ones that quietly went up, and add up what they cost you in a year. Then you decide what to cut.

Find my ghost chargesHow it works

No bank login and no account. Your statement is read on your own device and never uploaded.

Card ending 4417September
DatePaid toAmount
Grocery Outlet82.14
NETFLIX.COM15.49
Shell Oil41.20
PLANET FITNESS24.99
APPLE.COM/BILL14.99
Corner Pizza27.50
PARAMOUNT+12.99
ADOBE *CREATIVE CLD22.99
Forgotten, per year$1,097
Entry no. 1

Catch your ghost charges.

Download two or three months of transactions from your bank or card as a CSV file and drop it below. A sample statement is already filled in so you can see how it works.

Paid toRhythmEach timePer yearKeep or cut
    Haunting you, per year$0Recovered by cutting$0

    By account

    Your cancel list

    Sponsored

    Make the recovered money grow. Move it into a high-yield savings account so it actually adds up.

    Compare savings accounts

    Leftover Planner may earn a commission from partners at no cost to you.

    Entry no. 2

    How it works.

    1. Step one

      Download your transactions

      In your bank or card's website, open the transaction list and look for Download or Export. Pick CSV. Two or three months works best.

    2. Step two

      We find what repeats

      Same merchant, steady rhythm: weekly, monthly, yearly. Price increases and free trials that turned paid get stamped.

    3. Step three

      Keep or cut

      Mark each one. You see the yearly savings and get a cancel list with what to do for each service.

    Only have PDF statements? Open the PDF, select the transactions, copy them and paste them into the box above. Lines with a date, a description and an amount work.

    Entry no. 3

    Questions.

    Is my bank statement safe?

    Your file is read by your own browser. It's never uploaded, stored or sent to us or anyone else. Close the page and it's gone. We never ask for your bank login.

    Why didn't it catch one of my subscriptions?

    A charge needs to show up at least twice to look like it repeats, unless we recognize the service. Load more months to catch more, especially yearly charges.

    The company keeps charging me after I canceled.

    Keep your cancellation confirmation. Contact your card issuer to dispute the charges and ask about blocking the merchant. For apps billed through Apple or Google, cancel in your phone's subscription settings.

    Is this free?

    Yes. We may earn a commission if you use a partner link, such as a savings account. That never changes what we show you.

    Ghosts come back.

    We'll email you every three months to re-check your statement, plus the occasional money tip. Unsubscribe anytime.

    This tool looks for repeating charges in the file you load and estimates their yearly cost. It can miss charges or flag ones that aren't subscriptions, so check each one. It isn't financial advice and isn't affiliated with any company named. Some links are partner links; we may earn a commission at no cost to you.