what your money actually does
a bank export, read properly
Subscriptions rarely announce themselves. This reads a plain CSV and works out which charges are actually repeating — then prices the year.
Bring a ledger
Any CSV with a date, a description and an amount. A sample one is already loaded, so you can look around first.It cleans the names
Raw merchant strings — theSQ *, the store numbers, the trailing city — normalised back to the thing you actually bought from.It finds what repeats
Detected from interval regularity and amount stability. Nothing here was labelled a subscription; that label is why they get missed.It prices the year
What those charges cost over twelve months, whether or not you used them.Everything runs in this tab — no upload, no account, no network call.
costing — a year, whether or not you used them
detected from interval regularity and amount stability —
nothing here was labelled as a subscription