Subscription Finder
Find every recurring subscription, EMI, and auto-debit hidden in your bank statements — weekly, fortnightly, or monthly.
Upload bank statement PDFs. The Subscription Finder scans for charges that repeat at predictable intervals — weekly, fortnightly, or monthly. Catches Netflix, Spotify, gym memberships, OTT bundles, app subscriptions, society maintenance, EMI, rent, insurance auto-debit, and any sneaky recurring payment you might have forgotten.
Written by Anil Gautam · Updated
How does the Subscription Finder decide a charge is recurring?
Once your statements are converted, debits are grouped by a cleaned version of their description, with words such as NACH, ACH, ECS and UPI, numbers of six or more digits and punctuation removed. A group counts as recurring when it has at least three charges, the average gap between them is 4 to 40 days, and every gap is within 60% of that average. The average gap sets the label: up to 9 days is every week, up to 18 days every 2 weeks, and anything longer every month.
A ₹1,499 gym fee on 3 January, 3 February, 3 March and 3 April 2026 has gaps of 31, 28 and 31 days, an average of 30, so it appears as every month, 4 charges over 90 days. Charges on 1, 3 and 28 January fail because the 2-day gap is too far from the 13.5-day average. Quarterly premiums, about 91 days apart, are never flagged, and neither is anything charged more often than every 4 days on average.
How are the monthly and annual costs estimated?
Per charge is the average of every charge in the group. Estimated monthly multiplies that average by 4.33 for weekly charges, 2.17 for fortnightly ones and 1 for monthly ones, and the annual figure is the monthly estimate × 12. A ₹99 weekly charge becomes ₹429 a month and ₹5,144 a year, and a ₹500 fortnightly charge becomes ₹1,085 and ₹13,020. Add a ₹649 monthly plan and the summary shows ₹2,163 of estimated monthly bleed and ₹25,952 a year.
Price changes are averaged. A plan that moved from ₹199 to ₹299 halfway through six charges shows ₹249 per charge, which is below what you pay now.
Why is a subscription missing from the list?
Grouping needs descriptions to match after cleaning. Reference numbers of six or more digits are removed, but a shorter code that changes with every debit keeps each charge in its own group, and none reaches three. Overlapping uploads cause a different failure: if two PDFs cover the same month, the duplicated charges sit on the same dates, the zero-day gaps break the 60% rule, and the subscription drops off. Upload each month once.
Your PDFs and any password you enter are uploaded to the OneClickUse server and passed to a conversion service that extracts the transactions; the recurring check itself runs in your browser on the returned rows. To review dates and amounts line by line, the Bank Statement Converter turns the same PDF into an Excel or CSV file.