Guides › Money
Find and cancel subscriptions you forgot about
A complete list of every recurring payment you have, what each costs per year, and ready-written cancellation messages for the ones you don't use.
When to use it
Twice a year, or when money feels tight
Step by step
Gather the evidence
Export three months of card and bank transactions, and search your email for words like subscription, renewal, membership and receipt.
Remove sensitive details
Delete account and card numbers from anything you paste. Keep merchant names, dates and amounts.
Ask the AI to spot the repeats
Paste the transactions and any renewal emails into your AI assistant with this prompt.
Prompt to copyBelow are three months of my transactions and some renewal emails. Find every payment that looks recurring (monthly, yearly or weekly). Make a table with: service name, how often it charges, amount each time, cost per year, and the date it next renews if you can tell. Sort by yearly cost, highest first. Then ask me which ones I actually use, one question at a time. [paste transactions and emails]Decide what stays
Answer the AI's questions honestly. For anything you're dropping, ask it to write a short, polite cancellation message or tell you the usual place to cancel, such as the app store subscription settings.
Put renewals in your calendar
For subscriptions you keep, add a reminder a week before each yearly renewal so you get a chance to decide again.
What you get
Found 9 recurring payments, £742 a year. Top: Streaming bundle £215, Cloud storage x2 (£24 + £60, you have two), Fitness app £96 (last opened in June), Magazine £48. Cancel the duplicate storage and fitness app: saves £156 a year.
Tips
- Subscriptions bought through your phone are usually cancelled in your Apple or Google account settings, not in the app itself.
- Check for free trials that quietly became paid ones.