What is the easiest way to find all my subscriptions?

Go through the last three months of bank and card statements and mark every payment that repeats. Then check your app store subscription list and your email for receipts, which catch yearly plans that did not appear recently.

How often should I review my subscriptions?

Every three to six months is a good rhythm. Also review before any yearly renewal and before every free trial ends.

Do I need to connect my bank to track subscriptions?

No. You can list subscriptions by hand or import a CSV export from your bank. Budash works this way and never asks for bank logins.

How to track all your subscriptions in one place

A simple, step-by-step way to find every subscription you pay for, see what they cost each month, and stop paying for the ones you don't use.

Key takeaways

Most people pay for more subscriptions than they remember, because automatic payments do not ask for attention.
The fastest way to find them all is your last three months of statements, your app store subscription list and your email receipts.
Put every subscription in one list with its price, billing cycle and next renewal date, then set a reminder before each one renews.

Why subscriptions are easy to lose track of

Subscriptions are built to be effortless. You sign up once, the payment repeats, and nothing reminds you it exists. Add free trials that quietly turn into paid plans, yearly renewals that arrive once a year, and family members signing up on shared cards, and it becomes hard to answer a simple question: what am I actually paying for?

Step 1: Gather your sources

You need three places to look:

Bank and card statements for the last three months. Repeating payments stand out quickly.
Your phone's subscription list. On iPhone it is in Settings under your name, then Subscriptions. On Android it is in the Google Play Store under Payments and subscriptions.
Your email. Search for words like "receipt", "renewal", "subscription" and "your plan". This finds yearly plans that did not charge in the last three months.

Step 2: Write each one down

For every subscription, note:

Name (for example, Netflix or Adobe Creative Cloud)
Price
Billing cycle (weekly, monthly, quarterly or yearly)
Next renewal date
Who uses it

Step 3: Convert to a monthly figure

Yearly plans look cheap because they charge once. To compare fairly, turn every price into a monthly equivalent:

Yearly price ÷ 12
Quarterly price ÷ 3
Weekly price × 52 ÷ 12

Add them up. This is the real monthly cost of your subscriptions, and it is often higher than people expect.

Step 4: Decide what stays

Ask one question for each item: would I sign up for this again today, at this price? If the honest answer is no, cancel or downgrade it now, while you are motivated.

Step 5: Keep the list up to date

A list is only useful if it stays current. Two habits make that easy:

Add new subscriptions the day you sign up, including free trials.
Set a reminder before every renewal, especially yearly ones, so you can decide in time.

Using an app instead of a spreadsheet

A spreadsheet works, but it does not remind you of anything. A commitment tracker like Budash keeps every subscription in one list, shows your monthly total automatically, and reminds you before each renewal by email or phone notification. You can add subscriptions by hand, pick from popular services, or upload a bank CSV, with no bank login required.

If you want to go deeper, the free Money Foundations course walks through a full 30-minute subscription audit.