Zero-dependency, offline-first local bank statement auditor. Detect recurring leaks, zombie subscriptions, and silent rate hikes without uploading your financial data to fintech clouds or linking credentials to third-party aggregators.
Fintech apps and "subscription cancellers" demand full online banking credentials and siphon your complete transaction history to external data brokers.
Zombie Sub runs 100% locally in your terminal. It parses standard exported transaction CSVs directly in RAM using Python's standard library. No Plaid, no API tokens, no cloud databases, and zero network calls.
- Cadence Detection: Flags monthly (~30-day) and annual recurring charges automatically.
- Silent Rate Hike Alerts: Compares historical charges to catch merchants quietly raising prices over time.
- Annual Drag Calculation: Projects total annualized cost for every recurring merchant descriptor.
- Markdown Output: Emits a clean, scannable Markdown table and action list.
- Zero Dependencies: Pure standard library. Runs anywhere Python 3 is installed.
Windows (PowerShell): curl.exe -fsSL https://raw.githubusercontent.com/warknoc/zombie_sub/main/zombie_sub.py -o zombie_sub.py
macOS / Linux: curl -fsSL https://raw.githubusercontent.com/warknoc/zombie_sub/main/zombie_sub.py -o zombie_sub.py
Download a transaction history CSV from your bank or credit card portal (typically available under Download Transactions or Export Activity).
python zombie_sub.py your_statement.csv
Total Annualized Drain: $1,607.88 | Active Recurring Patterns: 3
| Merchant / Descriptor | Cadence | Latest Charge | Annualized Leak | Rate Hike | Last Billed |
|---|---|---|---|---|---|
| AWS CLOUD SERVICES | Monthly | $64.00 | $768.00 | +$15.00 | 2026-08-01 |
| ADOBE CREATIVE CLOUD | Monthly | $59.99 | $719.88 | +$5.00 | 2026-08-20 |
| GITHUB COPILOT SUB | Monthly | $10.00 | $120.00 | None | 2026-08-14 |
- Silent Creep Alert: AWS CLOUD SERVICES increased by $15.00 since first transaction.
- High Drag: AWS CLOUD SERVICES consumes $768.00/yr. Audit necessity.
- Silent Creep Alert: ADOBE CREATIVE CLOUD increased by $5.00 since first transaction.
Support & Open Source Tip Rail
Zombie_sub is open-source utility software licensed under MIT. If it saved you money:
- Air-Gapped Execution: Does not import urllib, requests, socket, or any networking modules.
- Local In-Memory Processing: Data is evaluated in temporary memory and never written to an external store.
- No Telemetry: No analytics, logs, or usage tracking.
MIT © 2026 warknoc