Subscriptions 4 min read · Updated October 16, 2026
The 20-minute subscription audit
Find every recurring charge, decide what stays, and stop paying for things you forgot you had.
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Subscriptions are designed to be easy to start and easy to forget. A quick audit every few months keeps them in check.
Find them
Look through the last two months of bank and credit card statements and search for words like “recurring,” “monthly” or “renewal.” Check app store subscription settings on your phone too, since many charges hide there.
Sort them
- Keep: used weekly and worth the price.
- Rotate: streaming services you can pause and restart when a show you want comes out.
- Cancel: anything you have not used in a month.
Negotiate the rest
For services you keep, ask about annual plans, student or household plans, or loyalty discounts. Cancelling sometimes triggers a retention offer.
Add each charge to the subscription tracker and flag the ones to cancel. It shows your yearly savings.
Free tool
Open the subscription tracker
List every recurring charge, flag the ones to cancel, and see what you would save in a year.
Open the subscription tracker →General educational information, not personal financial advice.