Tool
Subscription tracker: the cheapest raise you can give yourself
Cancelling forgotten subscriptions is the only budgeting move with an immediate, permanent effect and no lifestyle cost. The hard part is seeing them all at once, in annual terms.
- Annual, not monthly
A small monthly charge is a meaningful annual one. Judge them at the annual figure.
- Renewal dates visible
Annual renewals appear on the calendar so they never ambush the balance.
- Reminders before renewal
Notice arrives while cancelling is still worth doing.
- Find them in a CSV
Import a statement and repeated identical charges are easy to spot.
Finding all of them
- Export three months of bank and card statements as CSV.
- Import and sort by description — repeated identical amounts are subscriptions.
- Check app store subscription lists on each device separately; these are the most forgotten.
- Search your email for "your receipt", "renewal" and "subscription confirmed".
- Add each as a recurring item with its real cadence and renewal date.
The keep-or-cancel test
| Question | If the answer is no |
|---|---|
| Have you used it in the last 30 days? | Cancel now, not at renewal |
| Would you sign up again today at this price? | Cancel or downgrade |
| Is there a free tier that covers your use? | Downgrade |
| Is anyone else in the household paying for the same thing? | Consolidate to one plan |
| Is annual billing cheaper and will you definitely keep it? | Switch and record the renewal date |
What to do with the savings
Money freed by a cancellation disappears within a month unless it is assigned. Add an equal recurring transfer to savings or a debt overpayment the same day you cancel.
That single step is what turns an audit into a permanent change rather than a brief improvement in the balance.
Frequently asked questions
How do I find all my subscriptions?
Import three months of statements and look for repeated identical charges, then check app store subscriptions on each device and search your email for renewal receipts.
How much do people spend on subscriptions?
Consistently more than they estimate — auditing the annual total, rather than the monthly one, is what makes the gap obvious.
Should I cancel immediately or at renewal?
Immediately for anything unused; most services keep access until the paid period ends anyway.
Will the app cancel subscriptions for me?
No. It tracks them, shows renewal dates and reminds you; cancelling stays with you, which also means no third party has access to your accounts.
See the annual total, then decide
Free forever, reminders before every renewal.