CheckSpent is an AI-powered tool that analyses your bank statement (PDF, CSV, or screenshot) and automatically detects every recurring subscription charge you pay for.

How much does CheckSpent cost?

The Subscription Report is $54 USD (one-time). Cancellation Email Templates are $19.95 USD. Both are one-time payments, not subscriptions.

Is CheckSpent a subscription?

No. All CheckSpent purchases are one-time payments. You are never charged recurring fees.

What file formats does CheckSpent support?

CheckSpent supports PDF, CSV, PNG, JPG, and WebP bank statement files.

Is my bank statement data safe with CheckSpent?

Yes. Files are processed in memory only and are never stored. CheckSpent does not extract your name, account number, or personal banking identifiers. All data is encrypted with TLS/SSL.

Does CheckSpent connect to my bank account?

No. CheckSpent cannot access, modify, or initiate transactions on your bank accounts. It only analyses the file you voluntarily upload.

How long does the subscription analysis take?

Most analyses complete in under 2 minutes.

How long is my subscription report available?

Paid reports are available for 14 days after generation. After that, the report data is permanently deleted.

Can I use CheckSpent with any bank?

Yes. CheckSpent works with any bank statement that can be exported as a PDF, CSV, or screenshot. It is not limited to any specific bank or country.

What subscriptions can CheckSpent detect?

CheckSpent detects streaming services (Netflix, Spotify, Disney+), software subscriptions (Adobe, Microsoft 365), mobile plans, gym memberships, cloud storage, VPNs, meal kits, and any other recurring charge.

How is CheckSpent different from free subscription trackers?

CheckSpent uses AI to analyse your actual bank statement — it finds subscriptions you forgot about, not just ones you manually added. It also detects possible subscriptions and provides actionable insights.

Can I get a refund from CheckSpent?

Contact us within 14 days of purchase. See our Terms and Conditions for full refund policy details.

Does CheckSpent provide financial advice?

No. CheckSpent provides general information only. It does not hold an Australian Financial Services Licence and is not authorised to provide financial advice.

What currencies does CheckSpent accept for payment?

CheckSpent uses Stripe for payments, which accepts all major credit and debit cards worldwide. Prices are listed in USD but Stripe handles currency conversion automatically.

How do I find all my hidden subscriptions?

Export your bank statement as a PDF or CSV covering at least 12 months, upload it to CheckSpent, and the AI will identify every recurring charge automatically. Annual subscriptions only appear once a year, so a full year of history gives the most complete results.

Can CheckSpent help me cancel subscriptions?

Yes. CheckSpent offers a Cancellation Email Templates pack ($19.95 USD) with 18 proven templates for cancelling, requesting refunds, and negotiating lower rates.

How many subscriptions does the average person have?

Research shows the average person has 12-15 active subscriptions, many of which they have forgotten about. CheckSpent helps identify all of them from your bank statement.

★ 4.8 rating·3,200+ statements analysed

Most people are losing $85/month on subscriptions they forgot about.

Find & Cancel Hidden Subscriptions

That's $1,020/year back in your pocket.

Upload your bank statement and see every recurring charge in under 2 minutes.

No login required|Results in under 2 minutes|No personal data retained|Works with PDF, CSV or screenshots

How it works

~10 seconds

Upload your statement

Drop in a PDF, CSV or screenshot from your bank — takes under 10 seconds.

Under 2 minutes

We uncover hidden subscriptions

Our AI detects every subscription — even the ones you forgot about months ago.

~5 seconds

See where your money is going

Get a full report with monthly totals, categories and which ones to cancel first.

Detects charges from 500+ known services, including:

Netflix

Spotify

Apple

Google

Amazon Prime

Disney+

Microsoft 365

Adobe

YouTube Premium

Apple TV+

Apple Music

ChatGPT Plus

Dropbox

LinkedIn Premium

& more

Netflix

Spotify

Apple

Google

Amazon Prime

Disney+

Microsoft 365

Adobe

YouTube Premium

Apple TV+

Apple Music

ChatGPT Plus

Dropbox

LinkedIn Premium

& more

Free 30-second check

No sign-up. No credit card.

30-second check

Ready

Start Now

Just a few questions. Instant estimate.

Live example

Upload your statement — this is the report you'll receive

This is a sample report. Your actual report will reflect your real transactions and subscriptions.

Monthly subscriptions

$134.97

per month

Annual cost

$1,619.64

per year

Potential savings

$815.76 this year

Cancel what you no longer need.

Detected subscriptions (including recurring payments)

1 Dec – 9 Mar

Google Workspace

Monthly$67.98/mo$203.94 last 3 months3 times

Microsoft 365

Monthly$40.00/mo$80.00 last 3 months2 times

Apple.com/Bill

Monthly$14.99/mo$44.97 last 3 months4 times

Spotify

Monthly$12.00/mo$24.00 last 3 months2 times

Service	Frequency	Monthly	Last 3 months	Repeated charges
Google Workspace	Monthly	$67.98	$203.94	3 times
Microsoft 365	Monthly	$40.00	$80.00	2 times
Apple.com/Bill	Monthly	$14.99	$44.97	4 times
Spotify	Monthly	$12.00	$24.00	2 times

Subscriptions are detected by identifying recurring payments with consistent timing and similar amounts. Significant price changes may appear as separate entries.

Upcoming renewals

Google Workspace
2 Apr 2026
$67.98
in 12 days

The silent leak

CheckSpent helps people cut $500–$1,000 a year in hidden subscriptions

“OneDrive was still charging me $11.99/month even though I'd switched to Google Drive. CheckSpent caught it — that's $143.88 back every year, for something I wasn't even using.”

Carl T., New York

“I was paying for Netflix, Disney+ and Apple TV+ at the same time. Dropped two of them straight away — saving $27.98 every single month without noticing any difference.”

Lucy M., Sydney

“I had no idea I was spending $163.47/month on subscriptions. The CheckSpent report showed me exactly what to cut — I'm now down to $71.93.”

Tom G., London

Take the next step

Go further with your savings

Your check shows you the problem. These tools help you fix it.

Cancellation, Refund and Other Templates

$19.95 USD

18 proven email templates to cancel any subscription, negotiate lower rates, and get refunds — without calling anyone.

Cancel any subscription without calling
Negotiate a lower rate
Get refunds on unwanted charges
Editable, reusable, instant download

One email paid for itself. The other 17 are profit.

One-time payment · No subscription

For informational purposes only. Not financial advice.

What's included — all 18 templates

"I'm Considering Cancelling" Email That Unlocks Retention Offers
Billing Error Refund Request
Cancellation Letter That Often Triggers Retention Offers
Considering Switching to a Competitor
"I Already Tried to Cancel" Escalation Email
Refund Request for Accidental Renewal
Refund Request Template for Streaming Services
Refund Request When a Free Trial Converted to a Paid Subscription
Request to Pause a Subscription Instead of Cancelling
Request to Remove Late Fees or Penalties
Script to Negotiate Your Mobile or Internet Bill
Step-by-Step Guide to Cancel Subscriptions That Are Hard to Cancel
Step-by-Step Guide to Find Hidden Subscriptions on Apple, Google and PayPal
Template to Dispute Small Unauthorized Charges
Template to Request a Downgrade Without Penalties
Template to Request Compensation When a Service Failed
Template to Request Price Matching After a Price Increase
Universal Negotiation Tactics You Can Add to Any Request