How to keep track of annual subscriptions

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

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

Key takeaways

An annual charge shows up once, so it rarely stands out in a month-to-month view.

A $120 yearly plan costs $10 a month. Adding annual plans into your monthly Expenses gives a truer picture.

Write down each renewal date and review a couple of weeks before.

Track down forgotten subscriptions hiding across your cards and accounts.

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

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.