Calendar-aware monthly detection
Explainable local detection
Detect recurring payments in a bank statement CSV
The engine considers merchant similarity, calendar cadence, amount stability, continuity and history length—not just repeated amounts.
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Variable recurring bills separated from subscriptions
Recurring income and transfers excluded from subscription totals
Confidence score and plain-language evidence
Two identical café purchases do not automatically become a subscription. The cadence, continuity, descriptor and transaction type must support the hypothesis.
Detect recurring payments in a bank statement CSV
How many payments are needed?
One is never recurring. Two can form a possible candidate, three are more credible, and four or more strengthen confidence.
Does the tool identify services behind PayPal or Apple?
It never invents a final service. Ambiguous processor descriptors are clearly flagged and may be split by amount and cadence.
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No bank connection. No account. Your transaction data stays on your device.
Open a bank CSV