How to Find All Your Subscriptions and See What They Cost

If you want to find all your subscriptions, start with the money leaving your accounts. Then check the places that manage renewals: your app stores, PayPal, and the services you pay directly. There is no single subscription screen that reliably covers every payment method.

You can do a useful first pass in about 30 minutes. The aim is a list of what renews, when it renews, how much it costs, and what you actually use. It is fine to finish the hard-to-identify charges later.

Download the blank subscription audit worksheet or see a filled-in example. The example uses fictional services and prices. Keep your real worksheet private; it does not need account numbers, full card numbers, or passwords.

Step 1: Check every place money leaves

Open your bank, debit-card, credit-card, and payment-wallet statements. Look back 13 months if you can. A one-month view misses annual renewals, and a six-month view can miss them too.

Scan for repeated merchant names and amounts. Monthly charges often appear on roughly the same date; annual ones may only appear once. Write down anything that might renew, even if the merchant name is unfamiliar. A payment may appear under a parent company, app store, or payment processor rather than the product name.

The US Federal Trade Commission advises checking card statements for recurring and unexpected charges. Your bank or card statement is the best starting record of what was actually paid, but it will not always tell you which plan or account caused a charge.

Step 2: Check Apple, Google Play, and PayPal

These lists help explain charges that appear under an app store or wallet name:

• Apple: On an iPhone, open Settings → your name → Subscriptions. Check the Apple Account that received the receipt; a family member may have bought the subscription under their account. Apple’s subscription guide explains where to find and manage these plans.
• Google Play: Open Google Play subscriptions while signed in to the right Google Account. If a subscription is missing, Google says to check other accounts. Uninstalling an app does not cancel its plan.
• PayPal: On the PayPal website, go to Settings → Payments → Subscriptions and saved businesses or Automatic Payments. PayPal says this page shows merchants with recurring-payment agreements.

These screens cover payments made through those accounts. A service billed directly to your card may be absent. If you have multiple Apple or Google accounts, check each one you have used to pay.

Step 3: Search your receipts and service accounts

Search your email for receipt, invoice, subscription, renewal, trial, and the merchant names from your statements. Search your work email too if you pay for business software. A receipt often reveals the product name, billing frequency, account email, and renewal date.

Then open the service’s own Billing, Plan, or Subscription page. Confirm the current price and next renewal there. A charge on a statement tells you what you paid last time; a discounted trial or price change can make the next charge different. Do not rely on an old email for the next price.

If you still cannot identify a charge, use the merchant details in your bank or payment account to investigate. Avoid clicking an unexpected renewal email just because its branding looks familiar; the FTC warns that fake renewal notices exist.

Step 4: Put each renewal in the worksheet

Make one row per subscription. The blank sheet asks for the service, who bills it, a payment-account label such as “card A,” the amount and currency, billing cycle, next renewal, use in the last 90 days, annualized cost, and your decision. Do not put full card details or passwords in the sheet.

To compare different billing cycles, calculate an annual run rate:

This is a comparison, not a refund estimate. An annual plan you already paid for may remain available until its term ends. If you pay in multiple currencies, total each currency separately; a conversion needs a stated exchange rate and date.

Worked example: four fictional subscriptions

The example worksheet has the underlying rows. These are sample numbers, not real product prices:

The two occasional-use plans cost $30 a month, or $360 over the next 12 months if their prices stay the same. That is a potential saving from future renewals, not a promise of a refund. The hosting and storage plans do ongoing jobs, so “cost per click” would be a poor reason to cancel them.

Step 5: Decide what to keep, change, or cancel

For each row, ask: What job did this plan do in the last 90 days? How much would it cost to do that job with a free tool or a one-time purchase? Would canceling put files, a website, or a client workflow at risk?

• Keep a plan that does a frequent or essential job at a fair price.
• Downgrade if a free tier covers what you actually use.
• Replace an occasional-use plan if a tested free or one-off option does the same job well.
• Cancel a plan you no longer need, after checking its renewal date and exporting anything you must retain.

If lead research is a rare task on your list, our Apollo alternatives guide compares free allowances, monthly plans, and one-off options. Jovita also offers tools for individual jobs without requiring a new subscription; check the task and price in Jovita before choosing it. A frequently used specialist tool may still be the better deal.

When you cancel, use the billing provider’s official process and save the confirmation. Check the next statement for another charge. The FTC recommends keeping cancellation records; if a company keeps charging after you canceled, contact your card issuer or bank promptly.

Your finished audit should give you a short list of renewals you understand. Start with the one you use least, make sure your work is safe, and stop paying for the job you have already finished.

Apple, Google Play, PayPal, and FTC guidance was reviewed on 1 November 2026. Menu names and service terms can change; use the linked official pages when you act.