just-fucking-cancel

Analyze transactions, categorize subscriptions, generate HTML audit, help cancel.

Triggers

• "cancel subscriptions", "audit subscriptions"
• "find recurring charges", "what am I paying for"
• "subscription audit", "clean up subscriptions"

Workflow

1. Get Transactions

Option A: Plaid API (recommended — no CSV needed)

If the user has Plaid connected (check for Plaid integration/API access):

1. Pull last 6-12 months of transactions via Plaid Transactions API
2. All accounts are automatically included — no manual export needed
3. Skip straight to Step 2

Option B: CSV Upload

Ask user for bank/card CSV export. Common sources:

• Apple Card: Wallet → Card Balance → Export
• Chase: Accounts → Download activity → CSV
• Amex: Statements & Activity → Download → CSV
• Citi: Account Details → Download Transactions
• Bank of America: Activity → Download → CSV
• Capital One: Transactions → Download
• Mint / Copilot: Transactions → Export

2. Analyze Recurring Charges

Read CSV, identify recurring patterns:

• Same merchant, similar amounts, monthly/annual frequency
• Flag subscription-like charges (streaming, SaaS, memberships)
• Note charge frequency and total annual cost

3. Categorize with User

For each subscription, ask user to categorize:

• Cancel - Stop immediately
• Investigate - Needs decision (unsure, trapped in contract)
• Keep - Intentional, continue paying

Ask in batches of 5-10 to avoid overwhelming.

4. Generate HTML Audit

Copy template.html and populate:

• Update header summary:
  • Scope line: "found N subscriptions · N transactions"
  • Breakdown: "Cancelled N · Keeping N"
  • Savings: yearly amount big, monthly in parentheses
  • Timestamp: current date
• Add rows to appropriate sections (cancelled/investigate/keep)
• Include notes from user responses

Row templates in the HTML comments show the structure.

5. Cancel Subscriptions

When user checks items and copies from floating button, they'll paste: Cancel these: Service1 ($XX), Service2 ($XX)...

For each service:

1. Check common-services.md for cancel URL
2. Use browser automation to navigate and cancel
3. Update HTML row to cancelled status with date

HTML Structure

Three sections, auto-hide when empty:

• Cancelled (green badge, strikethrough) - Done items, the win
• Needs Decision (orange badge) - Has checkboxes for cancel selection
• Keeping (grey badge) - No checkboxes, just reference

Features:

• Floating copy button appears when items checked
• Privacy toggle blurs service names
• Collapsible sections via header click
• Dark mode support

Cancellation Tips

For difficult services, see common-services.md:

• Direct cancel URLs for 50+ services
• Dark pattern warnings (gym contracts, phone-only)
• Retention script responses
• Credit card dispute backup

Privacy

All data stays local. Transaction CSVs are analyzed in-session only.