How to Find Every Subscription You Pay For (Email, Bank, App Store)

Short answer: check five places. Your App Store and Google Play subscriptions, your email (search for “receipt”, “renewal” and “subscription”), your last three months of bank and card statements, your UPI AutoPay mandates if you’re in India, and the services you sign in to with Google or Apple. Together they catch almost everything.

Set aside twenty minutes and a note on your phone. Write down each subscription, what it costs and when it renews.

1. Your app stores

Anything you subscribed to inside an app is billed by Apple or Google, not by the service.

iPhone: Settings → your name → Subscriptions. Check “Inactive” too: it shows what you’ve already cancelled.
Android: Google Play → your profile → Payments and subscriptions → Subscriptions.

2. Your email

Receipts and renewal reminders are the most complete record you have. Search your inbox for each of these, one at a time:

receipt
renewal or renews
subscription
your plan
trial ends
auto-debit or autopay

Sort by date and go back twelve months, because yearly plans renew once a year and are the easiest to forget.

3. Bank and card statements

Download the last three months for every card and account. Look for amounts that repeat on roughly the same date, and for small charges with unfamiliar names: billing names often differ from brand names.

4. UPI AutoPay (India)

Open each UPI app you use (Google Pay, PhonePe, Paytm, your bank’s app) and find AutoPay or Mandates. Every active mandate is something that can take money from you on a schedule. Revoke the ones you no longer need; see how to cancel UPI AutoPay.

Your Google account (Security → Your connections to third-party apps) and Apple ID (Sign in with Apple) list services you’ve signed up to. Not all of them charge you, but it’s a quick way to jog your memory.

What to do with the list

Add it up a year at a time. $9.99 a month is $119.88 a year. The subscription cost calculator does this for you.
Cancel what you haven’t used in a month. You can always sign up again. Our cancel guides walk you through the common ones.
Look for doubles: two music apps, two cloud drives, two video services you watch one show on.
Switch keepers to yearly where it’s cheaper and you’re sure.
Put renewal dates in your calendar, especially trials.

Or let your inbox do it

Doing this once is useful. Doing it every month is a chore, and prices creep up between checks. Nummo connects to Gmail or Outlook with read-only access, finds every subscription and bill in your receipts and renewal emails, shows when each one charges on a calendar, and warns you before a trial bills you or a price goes up. No bank login needed. Is that safe? Here’s what read-only Gmail access actually means.