Find them
Go through three months of bank and card statements and list every charge that repeats: streaming, apps, cloud storage, memberships, software, delivery passes. Check app store subscriptions on your phone too.
Worked example: look at the yearly cost
Six subscriptions at $15.99, $11.99, $10.99, $9.99, $14.99 and $7.99 come to $71.94 a month, or $863.28 a year.
Cancelling the three used least, at $11.99, $9.99 and $7.99, saves $29.97 a month, or $359.64 a year.
Decide what stays
Keep what you used in the last month and would sign up for again today. Rotate streaming services instead of paying for all of them at once. Put the savings on a goal or a debt, or it will disappear into other spending.
Cancel properly
Cancel through the account settings or the app store where you subscribed, save the confirmation, and check the next statement to make sure the charge stopped.
Try the calculator
Run your own numbers in the free savings goal calculator. It works in your browser and nothing you enter is saved or sent.
Do it in Wrenfold
Wrenfold lists the repeating charges it finds in your history, lets you mark the ones to cut, and watches for a charge that comes back after you cancel. Wrenfold is the budgeting app we make. Your data stays in a file on your own device, and you can try it free in your browser with up to 60 entries.
Sources
Common questions
How do I find app store subscriptions?
Open the subscriptions section of your phone's app store account settings; it lists every active one.
What if a charge keeps coming after I cancel?
Contact the company with your cancellation confirmation, and your card issuer if it continues.
How often should I review subscriptions?
Once a quarter is enough for most people, plus a quick check whenever a free trial is about to end.
This guide is general information, not financial, tax or legal advice. Rates, fees and rules change, so confirm current terms with the lender, store or agency involved. All dollar figures are invented examples.