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What MyFulus finds in six months of bank statements

A made-up professional in Dubai: salary in dirhams, plus a US credit card billed in dollars. 218 statement lines from 1 April 2026 to 28 September 2026. Every number below is worked out by the same code that reads a real upload — nothing on this page is typed in by hand.

Sample data. The person is invented. The merchants are real brands because that is what a statement prints; the prices are illustrative.

Worth a look, every month

AED 63.97$49.94

15 charges repeat on a clock. 8 of them are worth a question: a price that went up, a service that looks billed twice, and small charges paid every month for six months straight. Each currency is counted on its own — dirhams and dollars are never added together.

Run this on my own statement — free How to download a statement

Your first 3 statements are read free. PDF or CSV, from any bank, including the password-locked PDFs Gulf banks email. No bank login.

The 8 worth a question

The headline counts only what each finding can honestly save: all of an easy-to-forget charge, just the rise on a price that went up, and the cheaper side of a suspected double-pay, since you would keep one.

Netflix
Price went up
every month · 6 charges since 2026-04-14
AED 56.00 → AED 62.00
The newest charge cost more than the ones before it.
Each charge
AED 62.00/month
Next one due
2026-10-14
How to cancel this
1. Cancel before 2026-10-14. After that date you have paid for another month.
2. Cancel where you signed up — the same app, website or shop. Asking your bank to block the payment is not the same as cancelling.
3. Keep the confirmation email or reference number until the charge stops.
4. Upload your next statement and we will tell you whether Netflix charged you again.
GOOGLE *YOUTUBE PREMIUM
Maybe paid twice
every month · 6 charges since 2026-04-19
Two charges look like the same service. Check whether you need both.
Each charge
AED 23.99/month
Next one due
2026-10-19
How to cancel this
1. Two charges here look like the same service. Decide which one you want to keep before you cancel either one.
2. Cancel before 2026-10-19. After that date you have paid for another month.
3. Cancel where you signed up — the same app, website or shop. Asking your bank to block the payment is not the same as cancelling.
4. Keep the confirmation email or reference number until the charge stops.
5. Upload your next statement and we will tell you whether GOOGLE *YOUTUBE PREMIUM charged you again.
YOUTUBE PREMIUM
Maybe paid twice
every month · 6 charges since 2026-04-04
Two charges look like the same service. Check whether you need both.
Each charge
AED 23.99/month
Next one due
2026-10-04
How to cancel this
1. Two charges here look like the same service. Decide which one you want to keep before you cancel either one.
2. Cancel before 2026-10-04. After that date you have paid for another month.
3. Cancel where you signed up — the same app, website or shop. Asking your bank to block the payment is not the same as cancelling.
4. Keep the confirmation email or reference number until the charge stops.
5. Upload your next statement and we will tell you whether YOUTUBE PREMIUM charged you again.
Anghami Plus
Easy to forget
every month · 6 charges since 2026-04-16
Small, and you have paid it many times. Worth checking you still use it.
Each charge
AED 21.99/month
Next one due
2026-10-16
How to cancel this
1. Cancel before 2026-10-16. After that date you have paid for another month.
2. Cancel where you signed up — the same app, website or shop. Asking your bank to block the payment is not the same as cancelling.
3. Keep the confirmation email or reference number until the charge stops.
4. Upload your next statement and we will tell you whether Anghami Plus charged you again.
iCloud+
Easy to forget
every month · 6 charges since 2026-04-09
Small, and you have paid it many times. Worth checking you still use it.
Each charge
AED 11.99/month
Next one due
2026-10-09
How to cancel this
1. Cancel before 2026-10-09. After that date you have paid for another month.
2. Cancel where you signed up — the same app, website or shop. Asking your bank to block the payment is not the same as cancelling.
3. Keep the confirmation email or reference number until the charge stops.
4. Upload your next statement and we will tell you whether iCloud+ charged you again.
ChatGPT Plus
Easy to forget
every month · 6 charges since 2026-04-11
Small, and you have paid it many times. Worth checking you still use it.
Each charge
$20.00/month
Next one due
2026-10-11
How to cancel this
1. Cancel before 2026-10-11. After that date you have paid for another month.
2. Cancel where you signed up — the same app, website or shop. Asking your bank to block the payment is not the same as cancelling.
3. Keep the confirmation email or reference number until the charge stops.
4. Upload your next statement and we will tell you whether ChatGPT Plus charged you again.
Amazon Prime
Easy to forget
every month · 6 charges since 2026-04-22
Small, and you have paid it many times. Worth checking you still use it.
Each charge
$14.99/month
Next one due
2026-10-22
How to cancel this
1. Cancel before 2026-10-22. After that date you have paid for another month.
2. Cancel where you signed up — the same app, website or shop. Asking your bank to block the payment is not the same as cancelling.
3. Keep the confirmation email or reference number until the charge stops.
4. Upload your next statement and we will tell you whether Amazon Prime charged you again.
Audible
Easy to forget
every month · 6 charges since 2026-04-17
Small, and you have paid it many times. Worth checking you still use it.
Each charge
$14.95/month
Next one due
2026-10-17
How to cancel this
1. Cancel before 2026-10-17. After that date you have paid for another month.
2. Cancel where you signed up — the same app, website or shop. Asking your bank to block the payment is not the same as cancelling.
3. Keep the confirmation email or reference number until the charge stops.
4. Upload your next statement and we will tell you whether Audible charged you again.

Found, but not for cancelling

Rent, a car loan and money sent home repeat on a clock just like Netflix, so they are listed — seeing them is useful. Nobody cancels their rent in an app, so these get no cancel steps.

Charge	Each month
Rent 6 charges, same amount each time	AED 7,500.00
Wise 6 charges, same amount each time	AED 3,000.00
Car loan 6 charges, same amount each time	AED 1,850.00
du 6 charges, same amount each time	AED 299.00

Running normally

Regular, the same price every time, and too big to forget. Nothing to say about them except when the next one is due.

Fitness First
Active
every month · 6 charges since 2026-04-02
Each charge
AED 349.00/month
Next one due
2026-10-02
How to cancel this
1. Cancel before 2026-10-02. After that date you have paid for another month.
2. Cancel where you signed up — the same app, website or shop. Asking your bank to block the payment is not the same as cancelling.
3. Keep the confirmation email or reference number until the charge stops.
4. Upload your next statement and we will tell you whether Fitness First charged you again.
Adobe Creative Cloud
Active
every month · 6 charges since 2026-04-03
Each charge
$59.99/month
Next one due
2026-10-03
How to cancel this
1. Cancel before 2026-10-03. After that date you have paid for another month.
2. Cancel where you signed up — the same app, website or shop. Asking your bank to block the payment is not the same as cancelling.
3. Keep the confirmation email or reference number until the charge stops.
4. Upload your next statement and we will tell you whether Adobe Creative Cloud charged you again.

Stopped showing up

Judged against the newest statement, never against today’s date — otherwise falling a month behind on uploads would make every subscription look cancelled.

Careem Plus
No recent charge
every month · 3 charges since 2026-04-10
We have not seen this one for a while. It may have stopped — or the months it would show in may not be uploaded yet.
Each charge
AED 19.00/month
Last charge
2026-06-10

Income and spending, month by month

Moving money between your own accounts — the savings sweep, paying off the card — is not spending, so those 18 lines are left out of every figure here.

AED · monthly average

In: AED 28,500.00
Out: AED 17,865.61
Left over: AED 10,634.39

Six months

Money in Money out

Where September went

Rent & MortgageAED 7,500.00 · 43%
Family Support & RemittancesAED 3,000.00 · 17%
Car Payments & MaintenanceAED 1,850.00 · 11%
GroceriesAED 1,280.00 · 7%
Utilities & TelecomAED 1,169.20 · 7%
Dining & CafésAED 603.25 · 3%

USD · monthly average

In: $0.00
Out: $218.18
Left over: -$218.18

No income in USD: this is a credit card, paid off in full each month from the dirham account. That payment is a transfer, so the card’s spending is counted once, here, and not again on the other side.

Six months

Money in Money out

Where September went

Streaming & Apps$109.93 · 72%
Shopping & Retail$41.87 · 28%

Seen often, never called a subscription

A weekly supermarket run repeats, but the basket changes, so it is shopping and not a subscription. The DEWA bill is a real monthly bill that the method misses, because it climbs with the summer heat. That miss is deliberate: wrongly calling your groceries a subscription that “went up” is a worse mistake than leaving out a bill you already know about.

Carrefour · 24 timesAED 182.70 to AED 458.60
Talabat · 19 timesAED 49.75 to AED 161.25
ENOC · 11 timesAED 118.40 to AED 137.45
Salik · 9 timesAED 100.00 each, on no regular day
ATM withdrawal · 6 timesAED 500.00 to AED 1,000.00
DEWA · 6 timesAED 612.40 to AED 978.55
Amazon.ae · 5 timesAED 89.99 to AED 655.00
The Coffee Club · 5 timesAED 158.00 to AED 247.00
Amazon.com · 5 times$41.87 to $127.65

The exact rules, and what they get wrong →

Not shown here: the monthly letter and the chat

With Pro ($8.99/mo), the AI accountant writes you a plain-language letter each month and answers questions about your own numbers. Those are written fresh from your ledger, so we would rather not put a canned one on a page about trust. Everything above is in the free scan.

Run this on my own statement — free How to download a statement