The SubAudit Subscription Checklist — 2026 Guide

Step 1 — Pull 90 days of charges

Export CSV from your bank or use your card app’s recurring filter. Tag anything that hits more than once in 90 days.

Step 2 — Bucket by type

Bucket	Examples	Typical overlap trap
Streaming video	Netflix, Max, Prime Video add-ons	Two services with the same shows
Audio	Spotify, Audible, Amazon Music	Paying for books + music you do not use
AI / dev tools	ChatGPT, Claude, Cursor, Copilot	Two chat subs + one IDE bundle
Amazon digital	Prime, KU, Audible, Kids+	Trials that rolled to paid
Auto-ship	Subscribe & Save	Duplicate cadence vs pantry load
SaaS productivity	Notion, Canva, VPN	Annual plans forgotten until renewal

Step 3 — Annualize and rank

Multiply every monthly line by 12. Sort descending. The top three lines are usually 60–80% of recurring spend.

Step 4 — Apply the SubAudit cut rule

Cancel or downgrade if both are true:

1. You have not opened the app or shipment in 45 days.
2. A cheaper swap exists with documented cancel steps (we link those in category guides).

Next: Amazon digital stack bounties or AI tool monthly TCO.