ghostsubs uses local Gemma 4 to find recurring charges in bank CSV exports

ghostsubs is a command-line tool that scans CSV exports from bank or card accounts and lists every recurring payment, such as subscriptions. Its main difficulty is identifying the business behind each charge, since bank descriptors are often cryptic, so it uses the Gemma 4 12B model running locally through Ollama to name each one. The rest of the processing, including dates, amounts, and totals, is handled by ordinary code. The report flags price increases, trials that converted to paid plans, upcoming annual renewals, and services that have stopped charging. Because the model runs on the user's own machine, bank data stays private unless the user opts into the ntfy notification or a remote model.