February 2026 · 7 min read
The average American pays for 12 subscriptions but only actively uses 6-7 of them. That means you're probably wasting $100-300/month on services you forgot about or barely touch.
This template walks you through a complete subscription audit in 30 minutes. No spreadsheets required — just follow the steps.
⚡ Skip the Manual Work
Upload your bank statement and we'll find every subscription automatically — including ones you forgot about.
Scan Your Statement Free →Pull up the last 3 months of statements from every account you use:
Why 3 months? Some subscriptions charge quarterly or annually. One month won't catch everything. For a guide on exporting statements, see our bank statement export guide.
Go through each statement and write down every recurring charge. Don't skip small ones — $3-5 charges add up to $50-100/year each.
For each subscription, note:
For each subscription, choose one:
✅ KEEP — You use it regularly and it's worth the price. No action needed.
💬 NEGOTIATE — You want it but the price is too high. Call to get a discount. See our negotiation scripts.
⬇️ DOWNGRADE — You use it but could switch to a cheaper plan or free alternative.
❌ CANCEL — You don't use it or don't need it. Cancel today using our 440+ cancel guides.
Don't just make the list — act on it right now. Every day you wait costs you money. For each "Cancel" subscription:
⚠️ Watch for zombie charges. Some companies keep billing after you cancel. Learn how to spot and fight them in our zombie subscription guide.
The audit only works if you don't let new subscriptions pile up again:
Check if you're still paying for any of these commonly forgotten services:
Do a full audit every 3 months. Set a quarterly calendar reminder. Between audits, review your bank statement monthly for new recurring charges.
A subscription audit is a systematic review of all your recurring charges to identify subscriptions you've forgotten, no longer use, or could replace with cheaper or free alternatives.
The average person saves $200-300/month on their first audit. Most people discover 3-5 subscriptions they forgot about. Even a small audit typically saves $50-100/month.
Want to find ALL your subscriptions at once?
Upload a bank statement and we'll detect every recurring charge in 30 seconds. Most people find 3-5 subscriptions they forgot about.
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