Here's Exactly What You'll Discover
This is a real report from a user who uploaded 12 months of credit card statements. We found 13 subscriptions costing $2,387/year—and identified $1,140 in potential annual savings.
All personal information has been anonymized to protect user privacy.
Annual Spend
$2,387.04
Monthly Spend
$198.92
Charges
13
increasing
Statement period: 2024-01-01 – 2024-12-31
The reality check
- 1You're spending $2,387 per year on subscriptions — that's $199 every single month leaving your account automatically.
- 2You're paying for 3 video streaming services at once. Most households only actively watch 1-2.
- 34 of your subscriptions show signs of low or no usage — that's $27.16/month going to waste.
- 4Planet Fitness requires in-person or certified mail cancellation. Budget 30 minutes if you decide to cancel.
- 5Your NYT subscription shows as 'DRI*NYTIMES' on your statement — one of several charges with hidden merchant names that are easy to miss.
Services you can cancel, downgrade, or find alternatives for
DoorDash & Uber Eats: $3,812 (Sep–Nov)
You ordered 73 times in 3 months — that's almost every day. Each order feels small, but combined it's more than your rent.
Cash withdrawals: $4,280 (Sep–Nov)
Once cash leaves your account, you lose all visibility into where it goes. That's nearly a third of your income you can't optimize.
Amazon: $1,185 across 28 orders
Most of these are under $50 — the kind of purchases you don't think twice about. But they quietly added up to more than your Spotify and Netflix combined for the year.
Money Rhythm
Front-loaded50% gone by
Day 9
Fastest month
6 days
October 2024
You spend heavily in the first week after payday. Subscriptions and auto-debits cluster in the first 5 days, and discretionary spending follows the same pattern.
Your subscriptions and auto-debits cluster in the first 5 days, pulling 30% of your income before you make a single discretionary purchase.
Top Merchants
89 unique merchants · excluding subscriptions
Micro-transactions
147
purchases under $10.00
Total
$1,284.00
Monthly avg
$428.00/mo
Top categories
That's $428/month you barely notice — more than your Netflix and Spotify combined.
Projections
Based on 3 months of data
Current pace → $15,252.00/year
3 months analyzed, $1,271.00/mo average
Up 8% month-over-month. At this rate, food delivery could hit $16,500 by year end.
Current pace → $4,740.00/year
3 months analyzed, $395.00/mo average
October was unusual
Spending was 34% above your average
Sep
Oct
Nov
Driven by: Travel (+$1,480.00), Dining (+$420.00)
You're spending $1,271/month on food delivery and 31% of your money is untraceable cash withdrawals.
Based on 847 transactions · high confidence
Analyzed on December 20, 2024
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