How to Find All Your Subscriptions
A step-by-step guide to surfacing every subscription you're paying for — including the ones you forgot.
Why subscriptions are so easy to lose track of
Subscriptions are designed to be frictionless to start and invisible to keep. They bill on different days, through different channels — some on your card, some through an app store, some through a wallet — and the ones that bill once a year barely register as recurring at all. The result: almost everyone underestimates how many they have, and by how much.
The fix is to look in all the places they hide, not just the obvious one. Here are the six.
1. Your bank and card statements
Scan the last three months for charges that repeat at the same amount. Sort by description or amount to group them together, and don't skip the small ones — a stack of $4.99s adds up faster than a single big charge.
2. App Store and Google Play
On iPhone: Settings → your name → Subscriptions. On Android: Play Store → profile → Payments & subscriptions. A huge share of app subscriptions bill through the store, so they never show the app's name on your card statement.
3. Your email inbox
Search for “receipt,” “renewal,” “your plan,” “invoice,” and “free trial.” Receipts are the paper trail subscriptions leave even when the charge itself is easy to miss.
4. PayPal and other wallets
Open PayPal → Settings → Payments → Manage automatic payments (and the equivalent in any wallet you use). Recurring charges routed through a wallet are invisible on the underlying card line.
5. The annual charges
These only appear once a year, so they never feel “monthly” — domains, password managers, antivirus, Amazon Prime, insurance. Look back a full twelve months, not just three, for anything that bills yearly.
6. Free trials that already converted
The most expensive subscriptions are the ones you forgot you started. Anything you signed up for “just to try” is now probably a paying line — find the welcome email and check.
Now total it up
Once you've got the full list, the next surprise is usually the number. Drop everything into the Subscription Cost Calculator to see the real monthly and yearly total, then use the Subscription Audit Checklist to decide what stays.
Common questions
How do I find subscriptions on my bank statement?
Scan the last three months for charges that repeat at the same amount — especially small ones. Sort the statement by description or amount to group them, and don't skip quarterly or yearly charges that only appear once.
Where do App Store and Google Play subscriptions live?
On iPhone: Settings → your name → Subscriptions. On Android: Play Store → profile → Payments & subscriptions. Many app subscriptions bill through the store, not the merchant, so they're easy to miss on a card statement.
How do I catch free trials before they charge me?
Search your email for “trial,” “welcome,” and “your free month.” Note the trial end date the moment you sign up — that's the charge you'll otherwise forget.
Related free tools
Subscription Cost Calculator
Total your subscriptions into one clear monthly and yearly number.
Subscription Audit Checklist
Find unused subscriptions and cut recurring waste, step by step.
Subscription Tracker Template
Copy-paste tracker for subscriptions, costs, and renewal dates.
SaaS Spend Calculator
Total SaaS spend across tools and seats, with per-seat cost.
Or skip the hunt entirely
Forward one statement and Recurrings finds every recurring charge for you — including the annual ones and the trials you forgot about.
recurrings.ai is in private beta. No card required.