CostWatch
Recurring Spend Tracker
How much are you actually spending on subscriptions and recurring payments? Most businesses and individuals don't know — until they look. CostWatch makes it easy to find out.
For Individuals
Export your bank statement as a CSV or PDF and drop it into CostWatch. In seconds you'll see every recurring payment — streaming services, gym memberships, software trials that became subscriptions, annual renewals you forgot were coming.
Everything runs in your browser. No account required. No data uploaded. Completely private.
For Businesses
Recurring software subscriptions, SaaS tools, cloud services, and supplier payments add up fast — especially across a team where different people authorise different tools. CostWatch gives you one view of everything.
Xero and QuickBooks connectors are live — connect once and keep your spend visibility current without manual exports, using each platform's own secure login.
Business mode is currently by request while we onboard early customers directly, so get in touch and we'll set you up.
Features
Privacy-First CSV & PDF Mode
Export your bank transactions as a CSV or PDF and drop it in — nothing leaves your browser. CostWatch processes everything locally so your financial data stays completely private.
Recurring Spend Detection
Automatically surfaces subscriptions and recurring payments buried in your transaction history — including ones you've forgotten about. See everything in one place, instantly.
Forgotten Subscription Alerts
Flags payments you haven't reviewed recently, services that renewed without you noticing, and recurring charges that have quietly increased over time.
Xero & QuickBooks Connectors
Direct, read-only integration with Xero or QuickBooks for business accounts — no CSV export needed. Secure OAuth2 login means CostWatch never sees your accounting password, and access can be revoked any time.
Ready to see what you're actually spending?
CostWatch is free to use today with a CSV or PDF export from your bank. No account, no data upload, no risk.