Paste 3 months of bank or card transactions. In about 5 seconds you'll see every subscription, price increase, duplicate charge and bank fee, with the yearly cost of each. Tick what you'll cut and watch your savings add up.
Tip: export the last 90 days (or more) from every account and card, then paste them all in one go. Header rows and account info lines are skipped automatically.
Typed items are added to whatever you pasted. Open your phone's subscription list (iPhone: Settings → your name → Subscriptions. Android: Play Store → profile → Payments & subscriptions) and type each one here.
| Cut | Merchant↕ | How often↕ | Charge↕ | Per year↕ | What we found↕ | Next move |
|---|
Same merchant, same amount, within 3 days. Some are legit (two pizzas, two tickets). If not, use template 06 to dispute. Credit card disputes in the US must reach the issuer within 60 days of the statement that first showed the error.
Use templates/01 (email) or 02 (phone). Expect a retention offer: 03 tells you what to say.
Phone, internet, insurance: 04 phone script, 05 chat script, 11 re-quote checklist.
Duplicates 06, unused service 07, converted trials 08, bank fees 09.
Want Claude or ChatGPT to write each message for you? Click “Copy my action plan”, paste it into the Money-Back Agent (see the README), and it drafts every letter.