Recurring charges are easy to start and easy to forget. Here is a simple, privacy-first method to surface every subscription you are still paying for — including the ones you stopped using months ago — without connecting your bank account.
Subscriptions are designed to be frictionless. You sign up in seconds, the charge moves to the background, and the payment renews quietly every month or year. The result is what budgeting experts call subscription fatigue: so many small recurring charges that no single one feels worth tracking — until they add up.
The most common ways a charge becomes "forgotten":
Open your last 2–3 months of bank and card statements, plus any digital wallet or app-store receipts. Annual charges hide for a full year, so also skim the same month from last year if you can.
Write down each name, the amount, and how often it bills (weekly, monthly, quarterly, or yearly). Do not filter yet — even the small ones matter, because the small ones are the ones you forget.
Next to each entry, note roughly when you last actually used it. Anything you have not touched in 3+ months is a prime candidate for a forgotten or zombie subscription.
To compare fairly, convert each charge to a monthly figure: divide annual plans by 12, quarterly by 3, and multiply weekly by about 4.33. This is where most people get their first surprise — an annual plan can be far larger per month than it felt.
Add up the monthly figures for one honest number. Then start with the charges you have not used in months — cancelling those is the fastest, lowest-regret win.
SubScan does steps 3 through 5 for you. Add your subscriptions, mark when you last used each, and it instantly shows your true monthly and yearly total, flags the ones you have likely forgotten, and points you at your fastest savings. Everything stays on your device — no bank login, no account, no upload.
Start your free auditIt is a recurring charge you are still paying for but no longer use — often a free trial that converted to paid, or an annual plan that auto-renewed. Industry reports suggest roughly one in five people have at least one.
No. You can find forgotten subscriptions by reviewing your own statements and listing the recurring charges manually. SubScan is built around this on-device approach, so you never hand over bank credentials.
It depends on your stack, but industry reports put average household subscription spend near $273 per month, and most people underestimate their real total by more than half. Even one or two forgotten charges can be $100–$300 per year.
An annual charge is invisible for 11 months and then renews in a single line you may not recognize. Reviewing the same month from a year ago, or listing renewal dates, is the best way to surface them.
Yes. The core audit tool is free and runs entirely in your browser with no account required.
For informational purposes only. SubScan is a free, on-device tool and does not provide financial advice. Statistics are drawn from general industry reports and may vary by source and region. Brand and service names are intentionally generalized.