How to Track All Your Subscriptions in One Place

June 2026 · UNLOCKD

The problem with subscriptions isn't any single one of them — it's that they accumulate quietly, bill on different days, in different currencies, on different cards. Getting control back is a one-hour project, and keeping it takes about a minute a month. Here's the method.

Step 1: Sweep the places subscriptions hide

You're building one list. Check each of these — most people find at least one forgotten charge:

• Card and bank statements — scan the last 60 days for recurring names. Then scan the last 13 months, which catches annual renewals a 60-day window misses.
• App store subscriptions — on iPhone: Settings → your name → Subscriptions. On Android: Play Store → profile → Payments & subscriptions. These bypass your memory entirely because the charge says "Apple" or "Google".
• PayPal automatic payments — Settings → Payments → Automatic payments. A classic graveyard of forgotten services.
• Your inbox — search "your subscription", "renewal", "receipt". Slow but thorough.
• Family plans — things someone else pays for that you administer (or vice versa) still belong on the list with a price of zero or a note.

Step 2: Record three things per subscription

For each service: the plan (because "Netflix" isn't a price — "Standard with ads" is), the real billed amount and currency from your statement (which includes any tax and exchange-rate markup, so it's truer than the list price), and the renewal date.

Step 3: Normalize everything to one monthly number

Divide annual prices by 12. Convert foreign-currency charges into the currency you think in. The goal is a single honest figure: this is what my subscriptions cost per month. That number is the entire point of the exercise — it's the one that makes you act.

Step 4: Put renewals on a calendar

Cancellation decisions are time-sensitive: the moment to drop a service is the week before it renews, not the day after. A calendar view of upcoming charges turns "I should really cancel that sometime" into a date.

Step 5: Keep the logins with the list

Here's where spreadsheets fail. When the calendar says Crave renews Friday and you decide to cancel, you need to be inside your Crave account — and the spreadsheet doesn't know your password. Keep each subscription's login next to its entry, encrypted, so acting on a renewal takes seconds instead of a password-reset detour. (Never store passwords in a plain spreadsheet or note.)

The lazy version: let a tool do steps 2–5

UNLOCKD automates everything after the sweep. Pick from 130+ built-in services and the plan, price, and currency pre-fill (editable to match your real bill). Totals convert to your currency at daily rates, monthly and yearly. The renewal calendar shows each month's charges with the exact amounts. And every entry stores its login encrypted on your device — with a Launch button that opens the service's sign-in page, password already on your clipboard. It's free, no bank connection, no subscription fee.

New to the category? Start with What Is a Subscription Manager? — or see why the login piece matters in Subscription Manager vs Password Manager.