How to track all your subscriptions in one place

Most of us pay for more than we remember. A streaming plan here, a data bundle there, an app that renews every year, a gym card, car insurance. Each one is small. Together they quietly shape your month, and any one of them can lapse or charge you on a day you did not expect.

The fix is not complicated. You need one list with three things for every item: what it costs, how often you pay, and the next date it renews. Here is how to build it in about half an hour.

Step 1: Find everything you pay for

Do not rely on memory. Check these places:

Your bank or mobile money statements for the last two or three months. Look for anything that repeats.
Your phone's subscription lists. On an iPhone, open Settings, tap your name, then Subscriptions. On Android, open Google Play, tap your profile picture, then Payments and subscriptions, then Subscriptions.
Your email inbox. Search for words like "receipt", "invoice", "renewal" and "trial".
Bills at home: TV, data, power, water, insurance, school fees, rent.
Work and side projects: hosting, domain names, software, tools you pay for personally.

Step 2: Write down the same four details for each

For every item, note:

The name, and what you use it for.
The price and the currency.
How often it is charged: weekly, monthly, yearly, or something else.
The next renewal date.

Add a fifth if you can: whether it renews automatically. Anything that renews on its own deserves the most attention, because that is where surprise charges come from.

Step 3: See the real total

Add it all up as a yearly figure. A few payments that feel small each month can add up to a number you would think twice about. You can use our subscription cost calculator to do the sums. It runs in your browser and does not save anything you type.

Step 4: Put the dates somewhere you will see them

A list you never open does not help. Pick a place that you look at often:

A spreadsheet. We made a free renewal spreadsheet template with the columns already set up, including drop-down lists.
A calendar with an alert a week before each date.
An app that does the reminding for you.

Whatever you choose, remind yourself early. A reminder on the renewal day is often too late to change your mind. A week or two before gives you time to cancel, switch plans or make sure the money is in the account.

Step 5: Review it once a quarter

Set a repeating reminder every three months to scan the list and ask one question for each line: do I still use this? Cancel what you do not. Downgrade what you barely use. Move what you use a lot to a yearly plan if that is cheaper.

Where Traqeet fits

Traqeet is being built to do the boring parts of this for you: keep every renewal in one calm list, warn you before anything lapses or charges you, and work even when you are offline. It does not ask for your passwords or read your messages. If you want to hear when it is ready, join the waitlist.

Until then, a simple list and an early reminder will already put you ahead of most surprise charges.