I spent the last few months digging through SMB bank and credit card exports, and the pattern is almost always the same: businesses are bleeding money on software nobody remembers signing up for.

Here's what shows up constantly:

1. The "second Adobe seat" problem. Someone on the team signs up for their own Creative Cloud plan because they don't know the company already has one. Multiply this by Notion, Canva, and Zoom and you've got 3-4x the licenses you actually need.

2. Monthly + annual overlap. A vendor gets switched from monthly to annual billing, but the old monthly charge never actually gets cancelled. It just... keeps charging. Nobody notices for 8 months because it's $12.

3. Ghost employees. Someone leaves the company, but their Slack, Figma, and Asana seats stay active because offboarding checklists don't include "audit software licenses."

4. Merchant name drift. "Google Workspace" becomes "GSuite" becomes "Google *G Suite" on different statements. If you're eyeballing a CSV, you will miss duplicates like this. Your bank statement is not designed to be human-readable for this purpose.

The average business we've looked at has 60+ recurring vendors and doesn't know it. Most finance teams manually track maybe 15-20.

If you've never actually lined up every recurring charge against what your team is using today, you're almost certainly overpaying. It doesn't take a forensic audit — it takes about 5 minutes and a CSV export.

Built SubJazz to solve exactly this: it reads your bank/card statements, clusters vendors (including the misspelled/renamed duplicates), flags what's likely dead weight, and tells you what to cancel. Free to try if you just want to see what it finds — https://whop.com/subjazz