Subscription tracker: find your recurring payments automatically
Last updated · spending.chat editorial team · 2 min read
Streaming, music, cloud storage, games, the gym, your phone plan… Each subscription looks small, but because they charge quietly every month the total is usually higher than people think. Tracking subscriptions means seeing every recurring payment in one list, cancelling the ones you don't use and knowing when the rest renew. With spending.chat you just text “what are my subscriptions”.
Why track subscriptions?
Subscriptions charge automatically, so they don't feel like spending, and a service you stopped using can keep billing you for months. One list of everything, checked for a few minutes a month, turns into savings that repeat every month.
- Forgotten trials that turned into paid plans.
- Overlaps: two music or two storage services doing the same job.
- Price rises nobody noticed.
- Annual renewals that hit once a year and surprise the budget.
How much do small subscriptions add up to?
A handful of $10 to $40 subscriptions easily adds up to well over $1,000 a year. The figures below are illustrative; use your own.
| Subscription | Monthly | Yearly |
|---|---|---|
| Streaming service | $15.49 | $185.88 |
| Music | $11.99 | $143.88 |
| Cloud storage | $2.99 | $35.88 |
| Gym | $45.00 | $540.00 |
| Phone plan | $35.00 | $420.00 |
| Total | $110.47 | $1,325.64 |
Cancelling just one unused streaming service and a gym you don't go to saves over $700 a year.
How does spending.chat find subscriptions?
As you log spending, the assistant recognizes payments that repeat at a similar amount on a regular schedule. Text “what are my subscriptions” or “what do I pay every month” and it lists them with their monthly amounts, then asks “add these as bills?”
- Log spending as usual: “Netflix 15.49”, “Spotify 11.99”.
- After a couple of months, text “what are my subscriptions”.
- The assistant shows the recurring payments and their totals.
- Say “yes” and they become bills, with a reminder before each payment date.
Nothing is added without your yes. See how reminders work on the bill reminder page.
Subscription cancellation checklist
Ask three questions about each subscription: did I use it in the last month, do I have another service that does the same, did the price go up? If two answers go against it, cancel; you can always restart it for a month when you need it.
- Scan your card statement for recurring and app-store charges.
- Cancel before the renewal date: most services keep access until the period ends but won't refund a new period.
- Put annual plans in your calendar with a reminder a week before renewal.
- Check family and shared plans so two people aren't paying for the same service.
Frequently asked questions
How can I see all my subscriptions?
The quickest way is to list the recurring charges on your card statements. If you log your spending with spending.chat, just text 'what are my subscriptions' and the assistant finds the payments that repeat every month and totals them.
Do you cancel subscriptions for me?
No. spending.chat finds and reminds; you cancel on the service's own site or in the app store. The assistant never asks for bank or card details.
Are annual subscriptions detected?
The detector finds payments that repeat every month. For an annual subscription, add it as a bill with its renewal date ('Spotify yearly 120, renews March 15, remind me a week before') and you'll be reminded before it renews.
Which plan includes the subscription tracker?
The subscription detector is on both Starter and Pro, and Starter is free forever.
This page is general information, not financial, investment, tax or credit advice. Example amounts are illustrative. For important financial decisions, talk to a qualified professional.
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