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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 these charges hide in plain sight
Statements label charges with abbreviations, and the amounts look like ordinary utilities. Totalling them by merchant is what reveals the pattern.
The goal is an organised, respectful conversation about a real number, not a loss of financial independence.
The protocol
- With permission, list the last three months of charges from the account and card statements.
- Group them by merchant and mark anything unrecognised, duplicated, or renewed.
- Bring the list to the person and decide together: keep, cancel, or investigate.
- Cancel the decided ones, using the app or the provider's written process.
- Record the cancellation references and check the next statement for the change.
What the tool does
Build a senior subscription audit It runs locally in this browser and sends nothing.
Limit first: This is a caregiver's planning aid, not legal, medical or financial advice. It cannot confirm a caller's identity, recover funds, or make decisions on someone's behalf.
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.
Free path, in order (no cost):
- The bank's own fraud and dispute line
- AARP Fraud Watch Network helpline — free guidance for older adults and families
- 211 for local caregiver-support services
What this cannot do: It cannot confirm a caller's identity, recover funds, or make decisions on someone's behalf.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One human next step
If a charge cannot be cancelled or looks fraudulent, call the bank and, if needed, the AARP Fraud Watch Network helpline; a caregiver can help by being on the call only with the account holder's permission.
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 elder-protection; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.