CheckSpent is an AI-powered subscription detection tool. Upload a bank statement (PDF, CSV, or screenshot) and receive a full analysis of every recurring charge in under 60 seconds.
For informational purposes only. Not financial advice. See disclaimer.
CheckSpent reads bank statements and identifies every recurring charge — monthly streaming services, annual software subscriptions, weekly meal plans, mobile phone plans, cloud storage, fitness memberships, and more. The tool shows you exactly how much you spend on subscriptions each month and each year, and helps you take action to cancel or reduce costs. CheckSpent cannot access, modify, or initiate transactions on your bank accounts. We are a read-only analysis tool — we can only review the information you choose to upload.
CheckSpent accepts three file formats: PDF bank statements, CSV exports, and screenshots (JPG or PNG). Upload directly on the analysis page — no account creation required.
CheckSpent reads your file and extracts every transaction. PDFs and CSVs are parsed precisely. Screenshots are processed using AI vision to identify transaction rows.
The detection engine groups transactions by merchant, then looks for recurring timing patterns (weekly, fortnightly, monthly, or yearly) combined with consistent charge amounts. Each detected subscription is assigned a confidence level.
A full report is generated showing: every detected subscription, the monthly and annual cost of each, upcoming renewals within 60 days, and a total monthly and annual subscription spend.
From the report you can confirm or dismiss suggested subscriptions, use cancellation and refund templates from the savings hub, and access referral codes to save money on services you keep.
Bank statements downloaded directly from your online banking portal. CheckSpent extracts transaction dates, descriptions, and amounts from any standard Australian or international bank PDF.
CSV
CSV exports from internet banking. CheckSpent auto-detects the column layout and sign convention for all major Australian banks including Commonwealth Bank, ANZ, NAB, Westpac, and Up Bank.
Screenshot
JPG or PNG screenshots of your banking app or web portal. AI vision reads the transaction table. Note: CSV or PDF uploads give the most accurate results.
CheckSpent uses a two-layer detection system:
Layer 1 — Recurring pattern detection
Transactions are grouped by merchant name and analysed for repeating timing patterns (weekly, fortnightly, monthly, yearly) with consistent charge amounts. A merchant risk tier system prevents false positives: restaurants, cafes, and retail stores require much stricter evidence than known subscription services.
Layer 2 — Known merchant matching
Single-occurrence transactions are compared against a registry of 145+ known subscription services (Netflix, Spotify, Adobe, Microsoft, Figma, and more). Matches are shown as “Possible subscriptions” for user confirmation.
AI-generated results may contain errors. Always verify against your actual bank records before taking action. See disclaimer.
Ready to find your hidden subscriptions?
Upload your bank statement — results in under 60 seconds.
Get my subscription report →Take the next step
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 subscriptions, request refunds, and negotiate lower rates — without calling anyone.
1:1 Spending Optimisation Session
$395.00 AUD
60 minutes with an expert. Every subscription identified, categorised, and actioned. Written plan included.
All products are for informational purposes only. Not financial advice. Disclaimer