Guess what you spend a year on subscriptions. Then drop in one statement and find out — about 90 seconds.

See where your
money actually goes.

No bank login, no Plaid, no account needed to try it — upload one bank or credit card statement and get an itemized subscription tally, a full category breakdown, and any duplicate charges or price hikes. About 90 seconds.

No bank login, ever. CSVs are analyzed in your browser — nothing uploaded. PDFs are read by our AI with personal details removed first, then deleted.

See my subscription total — free →
No account. No bank login. CSVs never leave your browser.
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🔒No bank login — ever
💻CSVs never leave your browser
📄File deleted after parsing
🧮Duplicates computed, not guessed
🗑Delete anytime
A few things GhostMoney surfaces · illustrative examples
You get the full picture first — where every dollar went and every subscription you're paying for. These are the extras it also catches along the way. The cards below use sample figures to show the format — not typical results.
⚠Duplicate charge: SPOTIFY billed 2× on Apr 15 — $9.99 each ($19.98 total)
$9.99 back⚠ Dispute $9.99 charge
↑NETFLIX raised its price: $6.99 → $15.49/mo (Jan 2026) — 4 months of overpaying = $34.00 already. $102/yr going forward.
$102/yrCancel Netflix $15.49/mo →
↗
Dining spending in Apr 2026: $314 vs $197/mo avg (+59%, +$117/mo)
Top spends: Uber Eats $52 · DoorDash $41 · Chipotle $38
$1,404/yrWork on this →
How it works
📄
Step 1
Upload
Drop your bank statement PDF or CSV. No Plaid, no bank credentials — we never hold the keys to your account.
🔍
Step 2
See
Every transaction is sorted into categories and annualized — so you see exactly where your money goes and what your subscriptions really cost. Duplicate charges and price hikes are computed with exact math — not guessed.
⚡
Step 3
Act
One-click actions: cancel, dispute, or commit to a spending target.
Common questions
What happens to my bank statement?+
It's processed by AI and immediately deleted. Only the extracted transaction rows are kept — never your raw PDF or account numbers.
Who can see my financial data?+
Only you. Your statement is parsed and immediately deleted — only the transaction rows are saved to your account. The original file never hits our database. Because we never store your bank login or account numbers, a breach couldn't be used to access your bank account.
What's an access code?+
A unique 16-character key emailed to you after signup. Like a password you didn't have to invent. Keep the welcome email as a backup.
Create my free account →
No bank login — ever · No password · Free