Forgotten trials, annual renewals, and odd merchant names quietly drain money every month. Here is a clear, statement-by-statement method to surface every recurring charge and cancel the ones you no longer use.
Open your bank or credit card app and read line by line through the last two to three statements. Most subscriptions bill monthly, so a 90-day window catches every monthly service plus most quarterly ones. Write down anything that:
Billing descriptors often show the parent company or a payment processor instead of the brand you signed up with. If a charge looks unfamiliar, search the exact descriptor text online — it almost always resolves to a real service. Don’t skip small amounts; a cluster of $3–$10 charges adds up fast.
The sneakiest charges are yearly: password managers, antivirus, cloud storage, and domain renewals. Because they appear only once every 12 months, a 90-day scan misses them. Search your email inbox for receipts using terms like:
A large share of subscriptions route through three places that list everything in one screen:
For each service you want to drop, cancel inside the service first: open the account, go to billing or manage plan, and look for “turn off auto-renew,” “cancel at end of period,” or “do not renew.” Keep the confirmation email. If a company makes cancellation impossible, ask your card issuer to block that recurring merchant, and request a new card number only as a last resort.
Manually tracking charges across statements, email, and three app stores is the part people give up on. SubScan is a free web app: add your recurring charges once and see them in a single dashboard with renewal dates, monthly and yearly totals, and a direct cancellation guide for each service. No bank login required — you stay in control of what you enter.
Open SubScan free →Free to use. An optional Pro upgrade adds CSV export and cancellation deep-links for 100+ services.
Scan the last 60–90 days of your credit card and bank statements for repeating charges and unfamiliar merchant names, then cross-check your email for “subscription confirmed” or “trial ended” messages and review the subscription lists inside your Apple, Google, and PayPal accounts.
Billing descriptors are often the parent company, a payment processor, or an abbreviation rather than the brand you signed up with, so a charge can look unfamiliar even when it is a service you use. Searching the descriptor text usually reveals the real company.
Cancel inside the service itself first: open the account, go to billing or manage plan, and turn off auto-renew. If you cannot reach the company, ask your card issuer to block the recurring merchant, and as a last resort request a new card number.
Yes. SubScan is a free web app where you add your recurring charges and see them in one dashboard with renewal dates and monthly totals, plus cancellation guidance for each service.