How to Audit Your Subscriptions and Stop Paying for What You Don't Use
Streaming, apps, memberships, and annual auto-renews add up quietly. Here's a 20-minute checklist to find every recurring charge and cut the ones you don't need.
Subscriptions are easy to start and easy to forget. A few dollars here and there can turn into a real monthly bill. A quick audit once or twice a year keeps it in check.
Step 1: Pull two or three months of statements
Download statements for every checking account and credit card. Monthly charges show up every statement; looking back a few months helps you spot ones that bill every other month or quarterly.
Annual renewals, check last year's statements for the same month
Step 3: Keep, pause, or cancel
For each one, ask: did I use it last month? Would I sign up again today at this price? If not, cancel or pause. Many services let you pause instead of cancel, and some offer a lower tier.
Step 4: Put the savings to work
Move what you cut into savings the same day, an emergency fund or a named goal, so it doesn't disappear into everyday spending.
LedgerFast Personal ($79/year) sorts your uploaded statement into categories including Subscriptions, and flags a month when you have three or more subscription charges, with the total. No bank login needed.
Frequently asked questions
How do I find all my subscriptions?
Review two or three months of bank and card statements and list every charge that repeats. Check last year's statements for annual renewals.
How often should I audit subscriptions?
Once or twice a year is enough for most people, plus any time you notice your spending creep up.
Upload the CSV statement from your bank's website, no bank login, nothing connected. Get your spending sorted, savings goals tracked, and a monthly Excel and PDF report. $79 a year.