A recurring charge is visible.
Actual use is not.
Use a redacted 12-month transaction export to find regular merchant/currency patterns, price-increase candidates and the same normalized merchant across accounts. Every result remains a review candidate until an owner confirms purpose, use, renewal and cancellation terms.
Recurring-charge candidate finder
Top 5 candidates · owner review required
| Merchant group | Cadence | Charges | Annualized | Change |
|---|
Data and decision gaps
The free result shows five candidates. A $19 report credit exports the full candidate list and a human owner/use/renewal/cancel review queue. Candidate annualized total is not promised savings.
Cash-review boundary: transaction cadence cannot prove that a subscription exists, is duplicated, is unused or should be cancelled. Recurring payroll, rent, insurance, loans, utilities, taxes and usage-based services may look similar. Verify original statement rows, contract, owner, use, renewal, refunds and operational impact before any action.
$19 subscription review report
Spend one report credit to generate the full redacted candidate register, price-step and multi-account questions, owner/use/renewal/cancel checklist and verified-action ledger.
- Full recurring-candidate register and annualized estimates
- Price-step and multi-account review flags
- Owner, purpose, use, renewal and cancellation evidence
- Verified keep / renegotiate / cancel / investigate action ledger
Savings-platform evidence and strong substitutes
PMF pre-judgment 83/100 · 21 days + 150 qualified visits before a behavioral verdict