# SpendCull

> Find out what your subscriptions are actually costing you.

Upload a CSV export from your bank or card statement — no bank login, no OAuth, nothing ever connects to your accounts. SpendCull audits every charge, finds duplicate tools, forgotten “zombie” subscriptions nobody uses, and price creep you never noticed, then estimates what cancelling or downgrading each one saves you. The free scan shows the total waste; the itemized cut list — which tools, in what order, and why — is $99.

## How it works

01. **Export a CSV, paste it in**
    Any bank or card statement export works. Messy headers are fine — tell us which column is which if auto-detection gets it wrong.
02. **Every charge gets audited**
    We parse every charge, cluster recurring subscriptions, flag duplicate tools and zombie subs, and estimate the dollar savings for each one.
03. **See the total free, buy the cut list**
    The free scan tells you HOW MUCH you're wasting. The $99 report tells you WHERE — which tools to cancel, in what order, and why.

## Pricing

### Full cut list report

**$99 one-time**

- Every recurring charge parsed, clustered, and categorized
- Duplicate-tool and zombie-subscription flags with a dollar estimate on each
- A prioritized cut list ranked by savings, ready to action in 15 minutes
- Branded PDF report you can keep or hand to whoever owns the budget

## FAQ

**Q: Do I have to connect my bank account?**
No — and you can't, even if you wanted to. SpendCull only ever reads a CSV file you export and paste in yourself. No OAuth, no bank credentials, nothing stored beyond the report.

**Q: What do I get for free?**
The total dollar amount of waste we found, plus your spend-efficiency score. The itemized cut list — which tools, why, and what to do about each one — is in the paid report.

**Q: What if my CSV's columns are named weirdly?**
Tell us which column is the description, amount, or date in the guided mapping fields on the intake form. Most exports auto-detect fine; the override is there for the messy ones.

**Q: How do you decide something is a 'zombie' subscription?**
We look for recurring charges with no corresponding usage signal in the data — patterns that match a forgotten trial-to-paid conversion, or a tool nothing else in your charges correlates with. Every flag ships with the specific reason, and it's on you to confirm before cancelling anything.

**Q: What's the $29/mo monitoring for?**
An optional add-on after your first report: we re-run the audit monthly on your next CSV export and alert you the moment a new zombie subscription shows up, before it's cost you a year.

**Q: Can my AI assistant run this for me?**
Yes. SpendCull exposes a free MCP endpoint at spendcull.com/mcp — connect it to Claude or any MCP-capable assistant (claude mcp add --transport http spendcull https://spendcull.com/mcp), paste your statement, and ask which subscriptions you don't need. The assistant runs the free audit right in the conversation, with the same unlock link for the full cut list.

Companies use only about half (49%) of the SaaS licenses they've paid for, and the average enterprise leaves $18M in wasted SaaS spend on the table each year. ([Source: Zylo, 2024 SaaS Management Index](https://zylo.com/news/2024-saas-management-index))

_Updated July 2026._