Free tools

Which of your subscriptions went up?

Drop in a CSV export from your bank or credit card. You get every recurring charge, what each one costs per year, and the ones that raised their price, with the date it changed.

Your file stays on your device. It’s read by this page in your browser and never uploaded or saved.

Or paste CSV text
Made-up household, made-up merchants.

Check every account, any time, without exporting files

This checker sees one export at a time. Connect your banks to BankBridge once and your AI app can read live transactions from every checking account and card whenever you ask, then answer in plain language.

“Which of my subscriptions went up in price this year, and how much extra is that costing me?”

How to use it

  1. On your bank or card website, open an account’s transactions, choose the last 6 to 12 months, and download them as CSV.
  2. Drop the file above. Checking accounts and credit cards both work; run each export separately.
  3. Look at the “Went up” rows first. Those are the services worth a second look: cancel, switch plans, or ask for the old rate.
  4. Download the results as CSV if you want to keep a list.

Questions

Is my bank file uploaded anywhere?

No. The file is read and analyzed by JavaScript in this browser tab. There is no upload, nothing is saved, and closing the tab clears it. You can load the page, turn off your internet connection, and the checker still works.

How do I export a CSV from my bank?

Sign in to your bank or card website on a computer, open the account's transaction history, pick a date range (6 to 12 months is ideal), and look for Download or Export. Choose CSV, not PDF. Each account usually exports separately, so run checking and each credit card one at a time.

How does it decide something is a subscription?

It groups transactions by a cleaned-up merchant name, then keeps merchants that bill on a steady schedule (weekly, every two weeks, monthly, quarterly or yearly) at a mostly steady price. Groceries, gas and coffee repeat too, but their amounts vary, so they are left out. Transfers, payroll, card payments and ATM withdrawals are skipped.

What counts as a price increase?

The latest charge from a merchant is compared with the first one in your file. If it went up, you see the old price, the new price, the date of the change, and what the difference costs you per year at that billing schedule.

Why is a service missing or grouped under another name?

Banks write merchant names differently, and anything billed through an app store or payment wallet often shows up under the store's name instead of the service. A merchant also needs at least two charges in the file to be detected, so a longer date range finds more.

Can I check every account at once without exporting files?

Yes, with BankBridge. Connect your banks once (read-only) and ask Claude, ChatGPT or another AI app which subscriptions went up this year. It fetches live transactions from every connected account each time you ask. BankBridge costs $5 a month per connected bank.

More free tools: AI budget prompt builder.