Skip to main content
Processed in your browser · financial data never uploaded

Recurring charge and subscription audit

Drop in a few months of bank statement PDFs and StatementSift first parses the transactions locally, then flags likely subscriptions, same-day duplicate charges, and merchants whose recurring amount has crept upward. It does not tell you what to cancel; it gives you candidates to review, a checklist to work through, a PDF you can keep, and a calendar reminder to re-run the audit next month. The privacy boundary is deliberately tight: transaction details are never written to the URL or localStorage. The saved return snapshot stores only merchant fingerprints, amount bands, cadence, status, and checklist progress.

Drop in a few months of bank statement PDFs and StatementSift first parses the transactions locally, then flags likely subscriptions, same-day duplicate charges, and merchants whose recurring amount has crept upward.

Statement reconciliation proof workspace
Drag & drop or click to select filesFiles are processed locally in your browser, never uploaded
Files are processed in your browser — never uploaded

Drop your bank statement PDFs (multiple allowed) and StatementSift detects the date/description/amount/balance columns locally and reconciles row by row. Financial data is never uploaded or sent to any external AI. Text-based PDFs (from online banking) work best.

Recurring charge audit

  1. 1

    Upload one or more bank statement PDFs, ideally covering two to three months.

  2. 2

    StatementSift parses the transaction rows locally in your browser.

  3. 3

    The audit groups recurring merchants, duplicate same-day charges, and price increases.

  4. 4

    Review the checklist, download the PDF, and add a monthly re-check reminder.

Recurring charge audit

01

Built for a monthly loop: recurring charges change over time, so the tool remembers hashed review fingerprints and tells you what is still present next run.

02

Review candidates, not commands: the report avoids cancellation advice and gives you merchant, cadence, trend and amount context to verify yourself.

03

Privacy-first retention: no transaction rows, merchant names or exact amounts are saved locally; only hashed merchant fingerprints and amount bands are kept.

Frequently asked questions

No. Parsed transaction rows stay in browser memory for the current session. The return snapshot stores only a merchant hash, an amount band, cadence, status and checklist timestamp — not merchant text, dates, full transactions or exact amounts.

No. It marks review candidates: recurring charges, possible duplicates and price increases. Whether you keep, downgrade, contact the merchant or cancel depends on your actual bill and usage.

Updated · StatementSift team

Sources, review and limits

Last verified

2026-06-17

Author

StatementCat editorial desk

Reviewer

Financial document workflow review

Primary sources

  • User-provided bank statement files processed locally
  • Local CSV, OFX and spreadsheet export rules
  • Bank-format guides maintained by the site

Statement conversion is not accounting, tax, audit or financial advice. Reconcile exported rows against the original statement before relying on them.