Find Recurring Payments Hiding in Your Statement

Subscription creep doesn't announce itself: Spotify goes from $9.99 to $16.99 and hopes you don't notice. This finds them for you.

Budgeting dashboards show you what you spent. Almost nothing watches for what keeps taking. Gristmill's recurring-payment graph scans any export and reports:

• Which charges repeat — detected by cadence regularity across at least three occurrences
• On what cycle — monthly, annual, weekly, whatever the data says
• Price drift — median amount vs. what you're paying now, so silent hikes surface instantly

How to audit your subscriptions

1. Export 3+ months of statements from your bank (longer is better).
2. Drop them in the cleaner with “flag recurring charges” checked.
3. Sort the results by the recurring column — cancel accordingly.

Unlike AI-guessing approaches, detection here is deterministic: cadence math plus an amount-stability gate, so random shopping sprees don't get mislabeled as memberships. When prices climb steadily, that's flagged too — because a subscription that doubled isn't noise, it's news.