Why Most People Lose Track
The average person has 12 active subscriptions. Most can name 6. The gap — those forgotten $8, $15, or $20 monthly charges — adds up to hundreds of dollars per year. Subscriptions are designed to be easy to forget: auto-renewal is the default, charges appear as small line items on bank statements, and free trials convert silently.
Step 1: List Everything
Start by going through the last 3 months of your bank and credit card statements. Look for recurring charges. Common ones people forget: cloud storage (iCloud, Google One, Dropbox), old streaming services, app subscriptions (often buried in iOS or Google Play billing), gym memberships, news sites, and software tools.
Step 2: Enter Them in SubTracker
For each subscription, add: the provider name, the exact amount, the billing interval (monthly/yearly), and the next renewal date. That last one is critical — without it, you cannot get timely reminders. Use the category tags to group them (Streaming, Software, Fitness, etc.).
Step 3: Set Reminders
For each subscription, set a reminder 7–14 days before the renewal date. This gives you time to decide whether to keep or cancel without rushing. If you pay annually, set the reminder 30 days out — annual plans often have longer cancellation windows.
Step 4: Monthly Review
Once a month, take 5 minutes to review your subscription list. Ask for each one: Did I use this at least once this month? Is the value worth the cost? Are there cheaper alternatives? Most people cut 2–4 subscriptions on their first review.
Step 5: Use the Reports
SubTracker's reports show your total monthly spend, breakdown by category, and most expensive subscriptions. Seeing the numbers visualised often motivates action that a mental estimate does not.