Money

Subscription audit

Pally reads your transactions, names everything you forgot you pay for, and cancels the ones you kill.

Most people are paying for three things they forgot existed. Link your accounts once and pally reads a year of transactions, lists every recurring charge with what it costs, and cancels the ones you point at.

Try this recipe

BBank

Gmail

iMessage

The routine

How it works

Ask pally for the audit once. Using the bank connection you linked for money questions, it reads your transaction history, groups charges by merchant, and finds the ones that repeat. You get a list with the amount, the cadence, when the charge first started, and what it adds up to over a year.

Pally then separates the list into what you clearly use and what looks dormant. It flags the usual suspects: free trials that quietly converted, the same service billed on two different cards, prices that rose without an announcement, and charges with no matching receipt or activity anywhere in your connected email.

You decide what dies. Pally cancels through the provider's own site in its secure browser using a login you saved, or by email where that is the real cancellation route. Where a provider only cancels by phone or demands a password only you have, it says so and hands that step back with the link.

Money you are owed gets chased, not just noted. Pally can email the merchant about a duplicate charge with the exact dates and amounts, follow the thread until there is an answer, and show you the reply. Ask it to repeat the whole audit quarterly and it will tell you what crept back in.

A useful fit

Good for

Finding free trials that quietly converted to paid
Catching the same service billed on two cards
Seeing a year of quiet price rises in one list
Cancelling several services without visiting six sites
Getting a duplicate charge refunded by email

Text it naturally

Things to try

list every recurring charge on my accounts and what it costs a year

which of these have i not actually used?

cancel the two i never open and email them about the double charge

run this audit again every three months

Before you start

Common questions

How does pally see my subscriptions?+

Through the bank connection you link for money questions, which gives it transaction history, plus the receipts and billing emails in your connected inbox. You choose which accounts to link and can disconnect them whenever you want.

Can pally cancel anything?+

It cancels wherever a real cancellation path exists on the web or by email. Some providers only cancel by phone, which is a call on Pally Max, and a few require a password or an in-person step. Pally names those and hands them back with the link.

What if a charge is wrong rather than unwanted?+

Pally can write the merchant with the exact dates and amounts, chase the thread, and show you every reply. It cannot promise the refund lands, because the merchant decides that, but you will not be the one sending the follow-ups.

Keep going

Last updated September 19, 2026.

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