How to audit your subscriptions in 10 minutes
Most people have never sat down and listed every subscription they're paying for. It's not laziness — subscriptions are designed to be forgettable. Here's a 10-minute audit that catches all of them.
1. Get your statement, not your memory
Don't try to list subscriptions from memory — you'll miss the ones you forgot, which are the ones that matter. Instead, download the last 2–3 months of transactions from your bank or card as a CSV (here's how). Every recurring charge is on it. Add a 12-month export too if you can — that catches annual renewals.
2. Find the repeats
Scan for the same merchant charging a similar amount on a regular cycle. Sort by description to group them. Watch for three things: the obvious monthlies, the once-a-year renewals, and charges under cryptic names (app-store billing often hides the real service). If you'd rather not do this by hand, Sevro detects the recurring charges for you and flags price increases — no bank login, just the file.
3. Sort each one into keep, cut, or unsure
Go down the list and make a fast call on each: keep (you use it and it's worth it), cut(you forgot it existed, or don't use it), or unsure(revisit next month). Don't overthink it — the goal is to surface the charges you didn't realize were still running.
4. Cancel the cuts now
The hardest part of cancelling is finding where to do it. Our cancellation guideslink straight to each service's official cancel page so you're not hunting through account menus. Do it immediately — a “cancel later” list is just a future forgotten subscription.
5. Put a reminder to re-audit
Subscriptions creep back. A quick re-check every few months keeps the total honest — especially for annual renewals and free trials that quietly convert to paid.
That's it. Ten minutes, once a quarter, usually pays for itself the first time you run it.
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