How to find and cancel subscriptions you don't use

A practical checklist for spotting forgotten charges and cancelling them cleanly.

By the MonthlyIQ team · Last updated 2026-09-28 · Editorial policy

Key takeaways

Scan every card and bank account for repeating charges, including yearly renewals. App-store subscriptions are billed through Apple or Google.

Ask: did I use it in the last month? Would I sign up again today at this price?

Cancel in the provider's account settings or app-store subscriptions page. Keep the confirmation email or screenshot.

Blocking a card charge usually doesn't cancel the contract.

Confirm the charge doesn't come back next cycle.

Track down forgotten subscriptions hiding across your cards and accounts.

Yearly renewals are easy to forget. Here's how to see them coming.

Connect your accounts and MonthlyIQ explains your month — what's due, what changed, and what's left.

General information only, not financial, tax, or legal advice. MonthlyIQ is not a bank or financial adviser.