Review at least 12 months
Monthly payments are easy to recognise, while quarterly and annual plans require more history. Look for repeated amounts and similar merchant names, then compare them with receipts and emails.
Do not confuse habits with subscriptions
Three purchases for the same amount are not automatically a subscription. A café, bakery or payment processor may repeat without a contract. Look for regular intervals and whether the merchant normally sells subscriptions.
Review value and terms
Check the next renewal date, cancellation deadline and how much you actually use the service. Save confirmation when you cancel.