How CheckSpent Works
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 2 minutes.
For informational purposes only. Not financial advice. See disclaimer.
What is CheckSpent?
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.
Step-by-step process
- 1
Upload your bank statement
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.
- 2
Automatic transaction extraction
CheckSpent reads your file and extracts every transaction. PDFs and CSVs are parsed precisely. Screenshots are processed using AI vision to identify transaction rows.
- 3
Subscription detection engine
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.
- 4
Report generation
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.
- 5
Take action
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.
Supported file types
CSV (recommended)
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.
Bank statements downloaded directly from your online banking portal. CheckSpent extracts transaction dates, descriptions, and amounts from any standard Australian or international bank PDF.
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.
How we find your subscriptions
Our AI reads your bank statement and identifies every recurring charge — streaming services, software subscriptions, mobile plans, gym memberships, and more. If it repeats, we find it.
AI-generated results may contain errors. Always verify against your actual bank records before taking action. See disclaimer.
Privacy and data handling
- ✓Files are processed in memory and never stored on disk after analysis.
- ✓No account or login is required.
- ✓Reports expire automatically after 14 days.
- ✓No transaction data is shared with third parties.
- ✓CheckSpent never connects to your bank — you control what you upload.
- ✓We do not extract or store your name, account number, or personal banking identifiers.
Important
Before making any financial decision — including cancelling a subscription, switching a bank account, cancelling a loan, investing savings, or purchasing any financial product — you should obtain independent professional advice from a licensed financial adviser, accountant, or other relevant professional. See full disclaimer.
Ready to find your hidden subscriptions?
Upload your bank statement — results in under 2 minutes.
One-time payment · No subscription
Take the next step
Subscription Report
Upload your bank statement and get a detailed AI-powered report of every recurring charge you pay.
- Every subscription identified automatically
- Monthly and annual cost breakdown
- Possible subscriptions flagged for review
- Report available for 14 days
Most people find subscriptions they forgot about.
One-time payment · No subscription
For informational purposes only. Not financial advice.
Cancellation, Refund and Other Templates
18 proven email templates to cancel any subscription, negotiate lower rates, and get refunds — without calling anyone.
- Cancel any subscription without calling
- Negotiate a lower rate
- Get refunds on unwanted charges
- Editable, reusable, instant download
One email paid for itself. The other 17 are profit.
One-time payment · No subscription
For informational purposes only. Not financial advice.
All products are for informational purposes only. Not financial advice. Disclaimer