Leaky Wallet

Find Every Recurring Payment on Your Bank Account

Recurring payments are the most common money leak. They charge automatically, often under obscure merchant names, and continue until you actively cancel them. Most people have more recurring payments than they realise — and are paying for more than they use.

Find All Your Recurring Payments

Upload your bank statement — complete recurring payment list in 30 seconds

Find My Recurring Payments

Free · No signup · CSV or PDF · Works with any bank

Types of Recurring Payments the Analyzer Finds

Monthly subscriptions: Netflix, Spotify, Adobe, Microsoft 365, gym memberships, meal kits
Annual subscriptions: Amazon Prime, antivirus software, domain renewals, professional associations
Quarterly charges: Some insurance premiums, software licenses, publication subscriptions
Insurance premiums: Life, health, car, home, travel, income protection — often auto-renewing with price increases
Loan repayments: Personal loans, car loans, HECS/student debt repayments
Utility direct debits: Electricity, gas, water, internet, mobile phone
Bank fees: Monthly account fees, overdraft facilities, credit card annual fees
Savings and investment auto-transfers: Micro-investment apps, recurring transfers to savings accounts

Why Recurring Payments Are Hard to Track Manually

Bank statements list recurring charges under cryptic merchant codes. Annual payments only appear once a year. Amounts vary due to currency conversion or price increases. Some services split charges across multiple line items. Manual tracking misses most of these — the analyzer catches all of them.

Frequently Asked Questions

How do I see all my recurring payments?

Upload your bank statement (CSV or PDF) to Leaky Wallet. The analyzer identifies every recurring charge by pattern — detecting monthly, quarterly, and annual payments even if the amounts vary slightly between periods.

Why do I have recurring payments I don't recognize?

Recurring payments often appear under different merchant names than the service you know. "AMZN*PRIME" is Amazon Prime. "PAYPAL *SPOTIFY" is Spotify. "NF*NETFLIX.COM" is Netflix. The analyzer normalizes these so you can identify each charge.

Can it detect recurring payments that vary in amount?

Yes. The analyzer accounts for small amount variations (currency fluctuations, tax changes, price increases) and correctly identifies them as the same recurring charge. It also flags price increases — so you'll know when a service raised its price.

What's the best way to manage recurring payments?

Start by finding them all (upload your statement), then audit each one: is it still worth it? Are you using it? Would you re-subscribe to it today? Cancel everything that fails that test, then re-evaluate the rest quarterly.