How to Find All Your Subscriptions in One Place (2026)

The average Australian has somewhere between 8 and 15 active subscriptions. Most people can name about half of them off the top of their head. The rest sit on autopilot, quietly billing your card every month.

There's no single place that shows you everything. Subscriptions are split across app stores, direct billing, PayPal, and credit cards. But with five checks, you can find them all in about 10 minutes.

1. Check your bank and credit card statements

This is the most reliable method because every subscription, regardless of how you signed up, eventually shows up as a charge on your bank or credit card.

Pull up your last three months of transactions. One month isn't enough because some subscriptions bill quarterly or annually. Look for:

• Identical amounts appearing on similar dates each month
• Charges from companies you don't immediately recognise (many services bill under parent company names)
• Small amounts you've been ignoring ($2.99 here, $4.99 there)

Common billing names that don't match the service: "GOOGLE *[service name]" for Google Play subscriptions, "APPLE.COM/BILL" for App Store subscriptions, "PAYPAL *[merchant]" for PayPal-billed services.

Write down every recurring charge you find, along with the amount and frequency.

2. Check your iPhone or iPad subscriptions

If you have an Apple device, some of your subscriptions probably bill through the App Store.

Go to Settings > your name > Subscriptions. This shows every active and recently expired Apple-billed subscription, including free trials that are about to convert.

This only shows subscriptions billed through Apple. If you signed up on a website and pay directly, it won't appear here. That's why the bank statement check comes first.

3. Check your Google Play subscriptions

For Android users, or anyone who's ever subscribed to something through Google Play:

Open the Play Store > profile icon > Payments & subscriptions > Subscriptions. You can also check at play.google.com/store/account/subscriptions.

Same caveat: this only shows Google-billed subscriptions.

4. Check PayPal automatic payments

PayPal is where forgotten subscriptions go to hide. Many services set up recurring billing agreements through PayPal, and they keep charging until you explicitly cancel the agreement.

Log in to PayPal > Settings (gear icon) > Payments > Manage Automatic Payments. Review the list and cancel any you don't recognise or no longer want.

5. Search your email

Your inbox is a record of every subscription you've ever started. Search for:

• "receipt" or "invoice"
• "subscription" or "renewal"
• "your plan" or "billing"
• Specific amounts like "$9.99" or "$14.99"
• "free trial" (to catch trials you may have forgotten)

This catches services that don't bill through app stores or PayPal.

What to do with the list

Once you have your full list, sort it into three categories:

Keep: Services you actively use and get value from.

Cancel: Services you forgot about or no longer use. Check our cancel guides for step-by-step instructions for specific services, including Netflix, Spotify, Stan, Adobe, and dozens more.

Review: Services you use occasionally. Consider whether they're worth the annual cost. A $9.99/month subscription you use twice a year is costing you $60 per use.

The annual charges you're missing

Monthly subscriptions are easy to spot. Annual charges are the ones that blindside people. Services like Amazon Prime, iCloud, and Microsoft 365 often bill yearly. You'll need to look back 12 months to catch them all, or set calendar reminders for their renewal dates.