The average consumer drastically underestimates how many active subscriptions they pay for. Between free trials converting automatically, streaming services, and productivity tools, it's incredibly easy to leak hundreds of dollars a year to apps you forgot you installed.
Here is the complete guide to uncovering every single subscription charging your cards.
1. How to Find Subscriptions on an iPhone or iPad
If you downloaded a service from the App Store and subscribed using Face ID or Touch ID, Apple manages your billing. You will not be able to cancel these subscriptions by going into the app itself.
Open the Settings app
Launch the standard grey gear "Settings" icon on your iPhone or iPad home screen.
Tap your Apple ID
Tap your name and profile picture located at the very top of the Settings menu.
Tap "Subscriptions"
Here you will see a complete list of "Active" and "Expired" subscriptions. Tap on any active app to cancel it.
2. How to Find Subscriptions on Android
If you use an Android phone (Samsung, Google Pixel), your mobile subscriptions are managed directly by Google Play.
- Open the Google Play Store app.
- Tap your profile icon in the top right corner.
- Select Payments & subscriptions, then tap Subscriptions.
- Review your active list. Tap any item to cancel the recurring billing.
3. Finding Subscriptions on Credit Cards & Bank Statements
A massive chunk of your subscriptions (like Netflix, Hulu, gym memberships, or software like Adobe) are not managed by Apple or Google. You typed your credit card directly into their website.
These will never show up in your phone's settings.
Review Your Statements
Log into your bank or credit card portal online and look at the last 30 to 60 days of transaction history. Keep an eye out for identical monthly charges.
Use Your Bank's App Tools
Many modern banks (like Capital One, Chase, and US Bank) now have a "Recurring Charges" or "Subscription Manager" tab baked right into their mobile banking apps. This feature automatically flags recurring merchants.
Too much work to track manually?
Trackery organizes all your subscriptions in one beautiful dashboard and sends you a push notification 3 days before any charge hits. Never get hit by a surprise renewal again.
Download Trackery Free →Frequently Asked Questions
Why isn't Netflix showing up in my Apple Subscriptions?
Streaming services like Netflix and Spotify actively prevent you from subscribing via the App Store to avoid paying Apple's 30% cut. Because you gave them your credit card on their website, Apple has no record of the subscription and cannot cancel it for you.
Is there an app that finds and cancels subscriptions for me?
Apps like Rocket Money require you to hand over your bank login credentials (via Plaid) so they can read your entire transaction history. If you value privacy, we recommend manually inputting your subscriptions once into a local tracker like Trackery, which doesn't require banking credentials.