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The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.
Open the companion tool →Why attention products price in small pieces
Charges arrive in units small enough to dismiss individually. The pattern, not any single purchase, is what surprises people, and the pattern is invisible until it is listed in one place.
The free tier and the paid tier are two different products inside one app; listing every charge by date shows which one you are actually paying for.
The protocol
- List every AI or companion app you have used in the last three months.
- From your statements, write each charge with its date, amount, and what it was labelled.
- Separate one-off purchases from subscriptions, and note which renew and when.
- Decide one boundary for the next month, chosen by you rather than by the app.
- Record the cancellation steps for anything you decide to end, including what the app requires in writing.
What the tool does
Build an AI-app spending audit It runs locally in this browser and sends nothing.
Limit first: This is a planning and record-keeping aid, not therapy, medical advice or crisis support. If you are in crisis, contact a qualified human first.
Open the companion tool →Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Automated decision this documents: in-app purchase and renewal mechanics
Free path, in order (no cost):
- CFPB complaint route for unfair billing or cancellation practices
- FTC consumer alerts for recurring-charge and negative-option guidance
- Your card issuer's dispute line for a specific unauthorised charge
What this cannot do: It cannot decide the outcome for you.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One human next step
If cancelling is made unreasonably difficult, register a complaint with the FTC and your state attorney general; if a charge looks fraudulent, dispute it with your card issuer in writing.
Research log and safety checks
AI-assist path: not used for a verdict. This builder organises the reader's own documents and names an independent source; it does not infer authenticity, eligibility, or legal rights. §6.9/§6.10/§6.11 disclosed in the batch report; §6.12 status line carried in metadata as `status_line`.
§0.5 protection result: category is chatbot-dependency-check; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.