Plain English for confusing bank charges, fees & notices
Paste any charge descriptor from your statement and get an instant plain English explanation — merchant name, charge type, and what to do if you don't recognize it.
Merchant Charge Decoder
Identify any bank or credit card charge in plain English. Covers 50+ merchants with AI fallback for unknowns.
Document Decoder
Paste any confusing legal, financial, or bureaucratic text and get a plain-English breakdown — instantly.
Fee Decoder
Decode overdraft fees, late charges, telecom surcharges, medical bills, and more — in plain English.
Notice Decoder
Translate IRS letters, eviction notices, debt collection letters, and insurance denials into plain English.
Streaming Decoder
Identify streaming charges, estimate your plan tier, and find cheaper options.
Telecom Decoder
Decode wireless and internet charges and understand what's in your bill.
Retail Decoder
Identify retail charges, find return paths, and flag membership fees.
Food Delivery Decoder
Break down delivery fee stacks and identify forgotten membership charges.
ACH Decoder
Translate cryptic ACH bank transfer codes into plain English.
Hidden Subscription Decoder
Identify unknown recurring charges and audit all your subscriptions.
Credit Card Fee Decoder
Explain credit card fees and find out which ones you can get waived.
Banking Fee Decoder
Decode overdraft, NSF, wire, and maintenance fees — and how to avoid them.
Medical & Pharmacy Decoder
Explain copays, facility fees, balance bills, and your No Surprises Act rights.
Instant answers
Database matches resolve in milliseconds. AI fallback handles anything not in the database.
No account needed
Every tool is free and open. No email address, no signup, no data collected.
Dispute guidance included
Every result includes step-by-step instructions for what to do if you don't recognize the charge.
Plain English only
No jargon, no fine print. Every explanation is written for people, not lawyers.