SaaS Subscription Audit

You upload a CSV export of your bank or credit card transactions. The tool parses the CSV in your browser, normalizes vendor names (removing CHKCARD prefixes, numbers, and formatting noise), groups transactions by vendor and amount, and identifies recurring patterns by interval (monthly, quarterly, annual). No data leaves your device.

No. The CSV file is processed entirely in your browser using client-side JavaScript. Nothing is uploaded, nothing is stored, and nothing is logged. You can disconnect from the internet after loading this page and the tool will still work.

Any CSV with columns for date, description (or payee/merchant), and amount. The tool auto-detects column names from the header row. Most major banks and credit card issuers export in this format: Chase, Bank of America, Wells Fargo, Amex, Capital One, Mercury, Brex, Rho.

A transaction is flagged as a subscription if it appears at least twice with the same normalized vendor name and an amount within 5% tolerance. Frequency is determined by the median interval between transactions: 27-33 days = monthly, 85-95 days = quarterly, 350-380 days = annual.

The tool flags a duplicate when the same normalized vendor name appears at multiple different price points — for example, two Slack subscriptions at $7.25 and $12.50/month might mean you have separate workspaces billing you twice. Investigate flagged duplicates manually to confirm.

The free tool displays results on-page. For exportable reports, ongoing audit across multiple accounts, and automatic re-scan every month, try culta's subscription tracking feature which connects to bank feeds directly.

Vendor name normalization catches most obvious cases but is not perfect. A vendor that bills under different names (e.g., "STRIPE *COMPANY A" and "STRIPE *COMPANY B") may not be grouped correctly. Manually review results and adjust as needed. The tool is a first-pass filter, not an auditor.

Both. The tool processes any CSV with date, description, and amount columns. Most multi-entity business owners should upload each entity CSV separately to keep per-entity subscription views clean.