How to find every subscription you're paying for

Last updated: · By the CostToCancel editorial team
Quick answer

To find every subscription, check six places: your bank and card statements (last 3 months), Apple subscriptions (iPhone Settings > your name > Subscriptions), Google Play subscriptions, Amazon Memberships & Subscriptions, PayPal automatic payments, and your email (search for "receipt", "renewal" and "subscription").

Make a list with price and renewal date, then cancel anything you haven't used in the last month.

On this page

The average household underestimates its subscription spending, mostly because charges are small and spread across different payment methods. This checklist takes about 15 minutes.

The subscription audit checklist

  1. Bank and card statements: download the last 90 days and search for recurring amounts, especially charges ending in .99 and names like APPLE.COM/BILL, GOOGLE *, AMZN Digital and PAYPAL *.
  2. Apple: on iPhone open Settings > your name > Subscriptions. Check Inactive too, to spot past free trials.
  3. Google Play: Play Store > profile icon > Payments & subscriptions > Subscriptions.
  4. Amazon: Account & Lists > Memberships & Subscriptions - includes Prime Video Channels, Kindle Unlimited and Audible.
  5. PayPal: Settings (gear) > Payments > Manage automatic payments.
  6. Email: search your inbox for subscription, renewal, receipt, trial and your plan.
  7. Phone and internet bills: look for bundled streaming add-ons (Netflix, HBO Max, Disney+ through your carrier).
  8. Write each one down with price, billing date and how you pay, then cancel the ones you don't need using our guides.

Decide what to keep

A simple test: if you didn't use it in the last 30 days and wouldn't pay for it today at its current price, cancel it. For streaming, keep one or two services and rotate the rest month to month - you lose nothing because your profiles are kept.

Prevent new surprise charges

  • Use a card with virtual card numbers or merchant locks for free trials.
  • Set a calendar reminder the day before each trial ends.
  • Turn off auto-renew immediately after subscribing to annual plans - you keep the full year.

Frequently asked questions

What does APPLE.COM/BILL mean on my statement?

It's a charge for an App Store purchase or subscription. Check iPhone Settings > your name > Subscriptions, or reportaproblem.apple.com to see every charge.

Are subscription tracker apps safe?

Many connect to your bank account. If you use one, choose a reputable app and review its permissions; the manual checklist above works without sharing data.

How do I cancel a subscription I can't identify?

Contact your bank with the charge details. They can tell you the merchant and, if needed, block future charges.