貯

Tratobor

…

Subscription tracker: find every recurring charge in your statement

Drop in a bank or card statement and get the list of everything that bills you on a schedule — subscriptions, memberships, phone and utility bills — with what each one costs per month and per year. No sign-up and no bank login: the file is read in your browser and never leaves it.

Drop a statement here

CSV or Excel (.xlsx) from your bank or card — three months or more works best. The file is read in this browser tab and is never uploaded.

Or paste the rows

How it finds subscriptions

  1. Cleans up the merchant name. A statement line like PURCHASE AUTHORIZED ON 09/12 NETFLIX.COM 866-579-7172 CA becomes “Netflix.com”: bank prefixes, payment-processor tags, order codes, phone numbers and states are stripped.
  2. Groups charges by merchant and amount. Two different amounts from the same merchant are treated as two subscriptions — that is how app-store charges are told apart.
  3. Checks the rhythm. A group counts as recurring only if the gaps between charges are steady: weekly, every two weeks, monthly, quarterly or yearly. One skipped month is tolerated; a scatter of dates is not.
  4. Flags what changed. A price increase is shown as old → new. A charge that stopped is marked as looking cancelled and left out of the total.

How to get a statement the tracker can read

In your bank's or card's website, open the account's transaction list and look for “Download”, “Export” or a download icon; pick CSV or Excel and a date range of at least three months. Mobile apps often offer only PDF — the website usually has the table export. Run each card and account separately, or paste them one after another: subscriptions are often spread across several cards.

What a statement cannot tell you

A statement is the one place where every subscription eventually lands, but it is not the whole picture. It will not show:

  • Which app is behind an Apple or Google charge — check the subscriptions list on the phone.
  • Free trials that have not billed yet — search your inbox for “trial” and “renewal”.
  • Subscriptions on a card you did not export — an old card, a partner's card, PayPal.
  • Annual plans, unless the file covers more than a year.

The full checklist — statements, app stores, PayPal, Amazon and your inbox — is in How to find all my subscriptions.

What to do with the list

Sort it in your head into three piles: use every week, use sometimes, forgot it existed. Cancel the third pile today, in the same place that bills you — app-store subscriptions in the app store, everything else on the service's own site. For the middle pile, check whether a cheaper tier or an annual plan would do. Then look at next month's statement to make sure the cancelled charges really stopped.

To keep an eye on spending beyond subscriptions, the same statement can go into Tratobor: it sorts every expense by category and shows where the month went.

Questions and answers

Is my statement uploaded anywhere?

No. The file is opened and read by this page inside your browser tab. It is not sent to a server, not saved, and it is gone when you close or reload the page. You can confirm it in your browser's developer tools: no network request carries the file.

Which files does the subscription tracker read?

CSV, TSV and Excel (.xlsx) exports from a bank or card: it needs a date, a description and an amount, and it works out the columns itself. It handles a single signed amount column, separate debit and credit columns, files with no header row, and both month-first and day-first dates. PDF statements are not read — download the same period as CSV or Excel instead.

Why isn't my annual subscription in the list?

A charge has to appear at least twice to be recognized as recurring. A yearly renewal shows up only if the statement covers more than twelve months and includes two of them. For annual plans, export 13 months or more, or search the statement for the service by name.

What does "Apple (apple.com/bill)" or a Google line stand for?

Subscriptions bought inside apps are billed by the app store, so the statement names Apple or Google rather than the app. The tracker separates them by amount — a 2.99 charge and a 9.99 charge are two subscriptions — but only your phone knows which apps they are: on iPhone, Settings → your name → Subscriptions; on Android, Play Store → profile → Payments & subscriptions.

Why does a charge say "looks cancelled"?

It repeated on schedule and then stopped: more than a period and a half has passed since the last charge, counted from the last date in your statement. It is listed so you can confirm the cancellation went through, and it is left out of the monthly and yearly totals.

Does it catch bills whose amount changes every month?

Yes, when they arrive about the same day each month — a phone or utility bill, for example. Those are marked "amount varies" and the yearly figure uses the average. Regular shopping at one store is not counted: the dates and amounts are too irregular to be a subscription.

We use cookies the site needs to work and, with your consent, Google Analytics for anonymous visit statistics. Details are in our privacy policy.