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Free template · PDF

Find every subscription you forgot about. One sheet, twenty minutes.

Twelve rows, one per subscription, with the two columns that make the decision for you: what it costs per year and when you last used it. Below the table, a checklist of the places subscriptions hide, because the ones you remember are not the problem.

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The sheet

Same columns as the PDF. Yearly cost is the column to fill in honestly: a $6.99 monthly charge is $83.88 a year, and a $2.99 weekly one is $155.48.

ServiceAmountCadenceYearly costRenews onLast usedKeep / cancelCancel link or how
Total per yearMonthly equivalent (÷ 12):

Where subscriptions hide

Work through every source below before you decide anything. Most people find the surprises in the second half of the list.

Statements

Every card, including the one you rarely use, for the last twelve months. Annual charges only appear once, so a three-month look misses them. Then the bank account itself: direct debits and standing orders that never touch a card.

App stores

iPhone and iPad: Settings → your name → Subscriptions. Android: Play Store → your profile → Payments & subscriptions. These bill through Apple or Google, so the statement line says Apple or Google, not the app's name.

PayPal and Amazon

PayPal: Settings → Payments → Automatic payments lists every merchant allowed to charge you. Amazon: Your Memberships & Subscriptions covers Prime, channels and Subscribe & Save.

Your inbox

Search for "receipt", "renewal", "your subscription", "free trial" and "has been charged". Trials that converted show up here first. Check the promotions and spam folders too; that is where renewal notices go to be ignored.

Other people's cards

A household usually has two or three payers. The audit is only complete when every card in the house has been through it, including the one a teenager uses for games.

Bundled and carrier-billed

Streaming added to a phone plan, cloud storage added to a device purchase, insurance add-ons, domain renewals. They rarely have their own line anywhere obvious.

How to fill in the sheet

  1. One row per charge, as you find it. Do not sort or decide yet. Write the service, the amount and how often it bills.
  2. Convert everything to a yearly figure. Monthly × 12, weekly × 52, quarterly × 4. This column is the one that makes small charges visible.
  3. Write the renewal date. For annual plans this is the date that matters: cancel a week after it and you have paid for another year.
  4. Be honest in "last used". A month or a date. "Sometimes" is not an answer; check the app's history if you cannot remember.
  5. Decide, then write down how to cancel. Some services cancel in the app store, some on a website, a few by phone or chat. Writing the route down is what turns "I should cancel that" into a thing that gets done.
  6. Add the column up. The total per year, and that total divided by twelve, is what subscriptions actually cost your monthly budget.

What to do with the keep column

Everything you keep needs a home in the budget and a date in the calendar. In a zero-based budget each subscription is an envelope line (or one "Subscriptions" envelope with the total), funded every month, so the annual ones do not ambush March. The renewal date goes in a calendar with a reminder a week before, which is the only reliable way to catch a price increase or a plan you meant to drop.

Track these in Budgetfold. The subscription tracker holds each service with its amount, frequency, next renewal date, a cancel link and the price history, and it puts the renewals on a calendar with the yearly total at the top. It is on the free plan. Track these in Budgetfold.

This page is general information, not financial advice. Menu paths for Apple, Google, PayPal and Amazon are as they were on 7 September 2026 and change from time to time.