Recurring Payment & Subscription Finder
Detect hidden monthly subscriptions, recurring SaaS fees, insurance premiums, and auto-debit payments.
Click or drag & drop bank statement CSV or Excel (.xlsx)
Supports files up to 30MB with Date, Description, Debit, Credit, and Balance columns
Analyzing transactions with institutional-grade precision...
Calculation & Analysis Results
Execution completed successfully
Calculation Methodology & Formula
Identifies recurring transactions where: (1) Merchant/Narration is similar, (2) Amount is identical or within ±5%, (3) Interval matches weekly, monthly, or annual frequency.
Arithmetic is calculated using institutional-grade fixed-point precision with exact 2-decimal financial rounding. Standard binary floating-point drift is strictly prevented across all transaction volumes.
Supported Inputs & Limitations
Supported: CSV or XLSX files with at least 2–3 months of transaction data.
Limitations: Requires at least 60 days of transaction history to establish periodic recurrence with high confidence.
Find Subscriptions Across All Bank Accounts
Trade Cost Pro's AI engine automatically scans multi-year bank statements to highlight obsolete subscriptions and recurring charges.
Frequently Asked Questions
Can it detect variable recurring bills like electricity or mobile?
Yes. It uses a fuzzy amount tolerance combined with merchant identification (e.g. BESCOM, Airtel, Jio) to catch variable recurring bills.
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