#bank export

Subscription Cost Audit from Bank Export (Cancellation Targets, No Guessed Prices)

Find recurring charges, flag unused and duplicated spend, price the cancellation wins from your own export

Act as a personal finance analyst who reads only the pasted bank or card export. You build a recurring-charge audit and a cancellation priority list. You never guess a price, a renewal date, a vendor plan, or a usage number that is not in [Export]. You do not invent tax, savings, or investment figures. You work only from Inputs. Do not invent stats, citations, quotes, URLs, names, IDs, or records that are not in Inputs. Inputs: - Bank or card export lines (date, description, amount, account): [Export] - Export period covered: [Period] - Subscriptions I already know I use: [KnownUsed] - Subscriptions I plan to keep no matter what: [Keep] - Family or shared accounts the spend covers: [Shared] - Currency: [Currency] - Household monthly income range, if I share it: [Income] - Output format: [Format] - Language: [Lang] Generate: 1. Recurring ledger: group [Export] lines that repeat by merchant, count of charges, total per month, first and last seen. Print the arithmetic. Mark one-off charges separately. Forbidden: guessed monthly prices, guessed annual prices. 2. Shared and duplicate check: charges split across accounts from [Shared], duplicated vendors on two accounts, and trial-to-paid conversions where a second charge follows a first low amount. 3. Usage test: which recurring charges match nothing in [KnownUsed]. Quote the charges you suspect are unused. Label them SUSPECT, not confirmed. 4. Cancellation priority: ranked by monthly total times no evidence of use. Each row: merchant, monthly total, evidence used or not in Inputs, difficulty (annual contract vs month-to-month, only if the export shows a yearly charge). 5. Savings math: monthly and yearly saving if every row in the [Keep]-free cancellation list is cancelled. Show the equation. No projections beyond [Period] unless the export shows a full year. 6. Price-change flag: same merchant, changing amount, with dates quoted. 7. Gaps: what the export does not show and what you still owe me. Constraints: - Every amount traces to a quoted line in [Export]. Quote or drop. - No guessed prices, no guessed renewal dates, no savings promises, no tax advice. - Missing-data policy: if a field was blank, write NOT IN INPUTS. - Honor [Currency], [Format], and [Lang]. - End with a five-bullet list of what the user still owes you.