Everything You Need to Stop Overpaying

One upload. One payment. A complete financial audit that pays for itself.

Subscription Intelligence

Our AI doesn't just list your subscriptions — it understands them.

Pattern Recognition

Detects renamed charges, merchant code changes, and cryptic transaction descriptions that humans miss.

Category Breakdown

See spending organized by category — streaming, software, fitness, food delivery — with visual bars showing where your money actually goes.

Wake-Up Calls

Blunt, numbered reality checks about your spending. Things like ‘You spend $47/month on streaming — that’s $564/year for content you watch 3 hours a week.’

Duplicate Detection

Catches overlapping services — like paying for both Spotify and Apple Music, or two cloud storage plans.

Subscription analysis showing detected services with cancel links

Your Personalized Report

Complete Subscription Audit

Every recurring charge identified, categorized, and ready to act on.

Complete subscription audit view
  • Every subscription with name, category, billing frequency, and monthly cost
  • Direct cancel links to each service’s cancellation page
  • Step-by-step cancel guides with phone numbers, chat links, and email templates
  • Category breakdown showing where your money actually goes
  • Confidence scoring so you know what’s verified vs. estimated
Top merchants and spending analysis

Behavioral Spending Analysis

Go beyond subscriptions. Understand how you actually spend your money.

  • Money Rhythm

    How quickly you spend after payday

  • Top Merchants

    Where your non-subscription money goes, ranked

  • Micro-Transaction Audit

    Small purchases that silently drain hundreds per year

  • Spending Projections

    Forward-looking estimates for your top categories

  • Anomaly Detection

    Flags months with unusual spikes and what caused them

Actionable Recommendations

Not just data — a prioritized plan that tells you exactly what to do next.

Action plan with prioritized recommendations
  • Prioritized action plan: cancel, downgrade, negotiate, or keep
  • Estimated savings for each recommendation
  • Time estimates (how long each cancellation takes)
  • Alternative service suggestions (cheaper options)
  • “Wake-up calls” — blunt reality checks about your spending habits

Privacy & Security

Bank-Level Encryption

Your files are encrypted at rest and in transit. We never share or sell your data.

Delete Anytime

Full control over your data. Delete files and your account whenever you want.

No Subscription Needed

We charge $9.99 once. We don’t need your data long-term. We don’t monetize you.

How It Works

1

Upload your bank statement

PDF, CSV, Excel, or OFX — we handle all major formats.

2

AI analyzes your transactions

Pattern recognition finds every subscription in ~30 seconds.

3

Get your full report

Cancel links, action plan, and behavioral spending insights.

Sample Substract report

Find Out What You're Really Paying For

Most people save 10–20x the cost of the report. Upload your first statement free.