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Catch a duplicate charge or a price hike before you overlook it

You suspect you've been double-charged, or a subscription quietly got more expensive, but scrolling through months of transactions to find it yourself is tedious and error-prone.

This tool looks for three specific, narrow patterns rather than trying to be a general fraud detector: the same vendor and amount charged more than once within five days of each other, a single charge that's far larger than what's typical for that account, and a recurring charge whose price went up compared to its own history. Each one is reported as an observation, not a verdict — a repeated charge might be a legitimate double order, and a big one might be a planned purchase. The tool tells you what it noticed; you decide what it means.

The price-increase check is the one most worth understanding before you rely on it, because it is deliberately conservative in a way that affects how you should read a clean result. It only flags a price increase when the earlier charges were identical in both amount and description — not close, identical. A subscription that's billed as "NETFLIX.COM" one month and "NETFLIX*STREAMING" the next won't be recognized as the same recurring charge at all, and one that varies by even a single cent between charges before the increase won't register as a pattern to compare against. That means an empty result from this check is not the same as "no price increases happened" — it means none were caught by a detector built to avoid false alarms, at the cost of missing real ones with messy data behind them.

The other two checks — duplicates and unusually large charges — are more reliable simply because their patterns are more mechanical: same amount and vendor close together, or a number that stands out against your own history. Still worth a human glance, but less likely to miss something real the way the price-increase check can.

What you would actually say"Check this book for anything unusual — duplicate charges, weird spikes, subscriptions that went up."

What this does not do

  • The price-increase check only fires on exactly matching amount and description in prior charges — it will miss a subscription that varies by a cent or is billed under a slightly different name each time.
  • An empty result is not a clean bill of health, especially for price increases — it means nothing matched the (deliberately strict) patterns this tool looks for, not that nothing unusual happened.
  • Reports observations, not conclusions — a flagged duplicate or large charge may turn out to be completely legitimate; this tool doesn't and can't determine intent.

Arguments

NameTypeRequiredWhat it is
bookIduuidRequired
fromstringOptional
tostringOptional

Generated from the tool definition, so it cannot describe arguments the tool does not accept. Unrecognised arguments are rejected rather than ignored.

Common questions

If this comes back with nothing flagged, does that mean my books are clean?
Not necessarily, especially regarding price increases. The price-increase check only catches charges that are byte-for-byte identical in amount and description beforehand — an empty result there means nothing matched that narrow pattern, not that no price actually went up.
Why didn't it catch my subscription that went up in price last month?
Likely because the description changed slightly between charges, or an earlier charge in the same subscription varied by even a cent. The check requires identical amount and description in every prior instance to be confident it's the same recurring charge before flagging a change.
What counts as an "unusually large" charge?
One that stands out against the typical charge size for that account, based on its own history — not a fixed dollar threshold. A book with mostly small transactions will flag a smaller outlier than one that regularly has large expenses.