Subscription Finder
Load a bank or credit card statement and see every charge that repeats — subscriptions, memberships and bills — with what each costs a year, which prices went up, which free trials turned into payments, and which may be charging you twice.
Getting a statement file
Sign in to your bank or card company's website — the app often cannot do this — and look for Download transactions, Export or Statements. Choose CSV (sometimes called Excel or spreadsheet format), or OFX, QFX or Quicken, and pick the longest date range offered. Twelve months is ideal: a yearly renewal only shows up if the statement covers it twice.
If you pay for things on more than one card, load each card's file in turn. Subscriptions billed through PayPal, Apple or Google may appear under those names rather than the service itself — open a charge to see exactly how it was written on the statement.
What it finds, and what it can miss
Charges from the same merchant are grouped, with the card numbers, dates and reference codes banks add stripped out, and each group is tested for a steady rhythm: weekly, every two weeks, monthly, every three or six months, or yearly. It tells you the typical amount, the next date it expects, whether the price rose, whether a small first payment was a trial, and whether a charge seems to have stopped. Transfers between your own accounts, card repayments, cash withdrawals and pay coming in are left out.
It can miss a subscription whose name changes from month to month, one charged less than twice in the statement, and anything paid in cash. It can also pick up something regular that is not a subscription, such as a weekly shop at the same store — untick anything that does not belong before adding the rest to your tracker.
Cancelling what you do not use
- Cancel with the company itself, in its app or account settings, or in the App Store or Google Play subscriptions page if you signed up through your phone.
- Cancel before the next date shown here, and keep the confirmation email.
- If a company keeps charging after you cancelled, your card issuer or bank can dispute the charge or block future payments to that merchant.
- Found a double charge? Ask the merchant for a refund first; if that fails, your card issuer can help.