Everything you need to know about finding, tracking, and reducing recurring subscriptions.
CheckSpent does not provide financial advice. See disclaimer.
Upload your bank statement to CheckSpent (PDF, CSV, or screenshot). The tool automatically scans all transactions, identifies recurring charges by timing and amount patterns, and produces a full list of every active subscription — including ones you may have forgotten about.
Yes. CheckSpent is an AI-powered web tool that reads bank statements and automatically identifies every recurring payment. It supports PDF exports, CSV downloads, and screenshots. Upload your statement and receive an analysis in under 60 seconds.
Download your bank statement as a PDF or CSV from your online banking portal, then upload it to CheckSpent at checkspent.com. The tool lists every subscription detected, the amount, the frequency (monthly, yearly, etc.), and the total annual cost.
CheckSpent accepts PDF bank statements, CSV transaction exports, and screenshots. Upload your file on the CheckSpent analysis page. The tool extracts all transactions, groups them by merchant, detects recurring patterns, and generates a report in under a minute.
Yes. CheckSpent reads PDF bank statements directly. It extracts transaction rows, cleans merchant names, and identifies recurring charges. This works with statements from Commonwealth Bank, ANZ, NAB, Westpac, Up Bank, and most other Australian and international banks.
Start by seeing exactly what you pay. Upload your bank statement to CheckSpent to get a full list. From there: cancel services you no longer use with CheckSpent's cancellation email templates, request refunds using refund templates, and use cashback platforms to recover costs on services you keep. Visit the Savings Hub for all tools.
CheckSpent provides ready-to-use cancellation letter templates. These templates are formatted for email and cover standard cancellation requests, cooling-off period cancellations, and hardship requests. Fill in your details and send.
CheckSpent includes refund request letter templates in our cancellation email template pack. These cover accidental renewals, double charges, and services not used. Download the relevant template, fill in your details, and send it directly to the subscription provider. Results will vary and are not guaranteed.
Many subscription services offer loyalty discounts or retention deals when customers ask. CheckSpent's template pack includes negotiation letters you can use to request a discount or price match. Outcomes depend on the provider and are not guaranteed.
CheckSpent supports three file types: PDF bank statements (downloaded from online banking), CSV transaction exports (from internet banking), and JPG or PNG screenshots of banking apps or portals. CSV and PDF files give the most accurate results.
The 2-minute subscription estimate check is free — no account required, no upload needed. A full subscription report — generated by uploading your actual bank statement — is a paid service at $29.95 AUD. Some content on the Savings Hub and Referral Codes pages is free.
Yes. CheckSpent processes your file in memory and never stores it on disk. No transaction data is shared with third parties. Reports expire automatically after 24 hours. CheckSpent never connects to your bank — you control exactly what you upload. We do not extract or store your name, account number, or personal banking identifiers. Read our full Privacy Policy for details.
CheckSpent detects subscriptions across all categories: video streaming (Netflix, Disney+, Binge, Stan), music streaming (Spotify, Apple Music), cloud storage (iCloud, Google One, Dropbox), software (Adobe, Microsoft 365, Figma, Notion), fitness memberships, mobile plans, internet plans, news subscriptions, education platforms, and more.
Yes. CheckSpent is designed to handle Australian bank statement formats, including Commonwealth Bank, ANZ, NAB, Westpac, Up Bank, ING, Macquarie, and others. It auto-detects column layouts and sign conventions for CSV exports.
CheckSpent uses a two-layer detection system combining recurring pattern analysis and known merchant matching. Accuracy is high for CSV and PDF uploads. Image uploads may produce less accurate results. As with any AI tool, results may contain errors — always verify against your bank records before taking action. See our Disclaimer for full details.
CheckSpent offers three paid products: (1) Subscription report ($29.95 AUD) — an AI-generated report showing every recurring charge found in your bank statement. (2) Cancellation email templates ($19.95 AUD) — proven templates to cancel subscriptions, request refunds, and negotiate lower rates. (3) 1:1 Spending Optimisation Session ($395.00 AUD) — a 60-minute personalised session with a written action plan. All products are for informational and educational purposes only and do not constitute financial advice. Prices are in AUD and may change.
No. CheckSpent does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide financial advice under the Corporations Act 2001. All content — reports, estimates, templates, tutorials, and sessions — is for general informational and educational purposes only. Your use of CheckSpent does not create a financial adviser–client, fiduciary, or other professional relationship. You should seek advice from a licensed financial professional for your personal situation.
CheckSpent accepts payments in multiple currencies through our payment processor, Stripe. All listed prices are displayed in Australian dollars (AUD) unless otherwise indicated at checkout. If you pay in a currency other than AUD, the amount charged will be determined by the exchange rate applied by your bank, card issuer, or payment provider at the time of the transaction. You are responsible for any currency conversion fees, foreign transaction charges, or exchange rate differences that may apply. CheckSpent reserves the right to change the display currency of its prices at any time, and any such change will be clearly shown at checkout before you complete your purchase.
See every subscription you pay for
Upload your bank statement — results in under 60 seconds.
Get my subscription report →Go further with your savings
Subscription report
$29.95 AUD
See exactly what you're paying — uncover hidden subscriptions and find what to cancel first.
Cancellation email templates
$19.95 AUD
Proven templates to cancel, get refunds, and negotiate lower rates.
1:1 Spending Optimisation Session
$395.00 AUD
60-minute personalised session + written action plan.
For informational purposes only. Not financial advice. Disclaimer