1. Review Your Bank Statement

The easiest way to identify subscriptions is by checking the last three to six months of your:

• Savings account
• Credit card statement
• Debit card statement

Look for transactions that repeat every month with the same amount.

Examples include:

• NETFLIX
• GOOGLE
• APPLE
• SPOTIFY
• AMAZON
• OPENAI
• MICROSOFT
• ADOBE

If a payment appears regularly, it's likely a subscription. https://www.eyespender.com/credential-vault

2. Check UPI AutoPay Mandates

Many Indian apps now use UPI AutoPay for recurring payments.

To review active mandates:

1. Open your preferred UPI app.
2. Go to the AutoPay or Mandates section.
3. View all active recurring payments.
4. Check the merchant, amount, and renewal date.
5. Cancel any mandate you no longer need.

This is one of the quickest ways to identify forgotten subscriptions.

3. Check Google Play Subscriptions

If you're an Android user:

1. Open the Google Play Store.
2. Tap your profile icon.
3. Select Payments & subscriptions.
4. Open Subscriptions.

You'll see:

• Active subscriptions
• Renewal dates
• Billing amounts
• Cancellation options

4. Check Apple App Store Subscriptions

For iPhone users:

1. Open Settings.
2. Tap your Apple ID.
3. Select Subscriptions.

Review active plans and cancel services you no longer use.

5. Review OTT Subscription Accounts

Sign in to each streaming platform and check:

• Subscription status
• Current plan
• Renewal date
• Payment method
• Billing history

This helps prevent paying for multiple streaming services you rarely watch.

Signs You Should Cancel a Subscription

Ask yourself these questions:

• Have I used this service in the last month?
• Can I replace it with a free alternative?
• Do I already pay for a similar service?
• Am I sharing a family plan elsewhere?
• Has the price increased recently?

If you answer "No" to the first question or "Yes" to several of the others, consider cancelling.

How to Cancel Unwanted Subscriptions

Cancelling unused subscriptions is one of the easiest ways to reduce recurring expenses.

Google Play

Open:

Play Store → Payments & Subscriptions → Subscriptions → Cancel

Apple App Store

Go to:

Settings → Apple ID → Subscriptions → Cancel Subscription

UPI AutoPay

Visit the Mandates or AutoPay section in your UPI app and revoke the authorization.

Credit or Debit Card

Some merchants allow cancellation from your account settings. If recurring charges continue after cancellation, contact your bank to dispute unauthorized renewals or block future recurring payments where applicable.

Best Subscription Tracker Apps

A subscription tracker app helps you monitor recurring expenses, renewal dates, and monthly spending from one place.

When evaluating an app, look for features like:

• Recurring expense tracking
• Renewal reminders
• Monthly spending insights
• Budget planning
• Expense categorization
• Easy-to-read dashboards
• Secure handling of financial information

Choose the app that best matches your budgeting style and the features you need.