Find and cancel subscriptions you forgot

Sai reads your statements and receipts, lists every recurring charge, flags the ones you no longer use, and cancels the ones you approve on each company's own account page. It saves every confirmation.

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Every 3 months, find the subscriptions I'm still paying for and help me cancel the ones I no longer use.

Where to look:
- Card and bank statements in Google Drive > Finance > Statements (last 3 months, plus the last 12 months for annual plans)
- Receipts and renewal emails in Gmail (search for "receipt", "renewal", "your subscription", "free trial")
- My Apple and Google Play subscription lists, and PayPal automatic payments

For each recurring charge:
1. Add the merchant, amount, billing cycle, card and next renewal date to my "Subscriptions" sheet.
2. Mark it unused if I haven't signed in or used it in the last 60 days, and note how you checked.
3. Flag duplicates (two plans for the same service) and free trials that will turn into paid plans.

Then show me the list and wait. Only cancel what I approve. For each one:
- Use the company's own cancellation page or account settings. Don't use third-party cancel services.
- Turn down retention offers unless I say otherwise, and never start a new plan.
- Save the confirmation email or a screenshot of the confirmation page to Drive > Finance > Cancellations.
If a service can only be canceled by phone or chat, stop and tell me the steps instead.

When you finish, send me a summary: what you canceled, the monthly and yearly savings, and anything that still needs me.

Watch it run

What Sai does with this prompt

To cancel unwanted subscriptions you first have to find them, and that is the hard part: charges are spread across cards, PayPal and the app stores, and the name on the statement rarely matches the brand. Sai finds every recurring charge, shows you which ones you have stopped using, and cancels only the ones you approve, on each company's own account page.

What it means to find and cancel unwanted subscriptions

Canceling unwanted subscriptions means listing every recurring charge you pay, deciding which ones you no longer use, ending them through each company's cancellation flow, and confirming that the charges stop. A forgotten subscription is one that still renews after you have stopped using it.

The job has four parts, and most tools cover only the first:

Find every recurring charge, including annual plans and free trials that turned into paid plans.
Decide which ones you still use, with evidence such as your last sign-in.
Cancel through each service's own page, past the retention offers.
Confirm: keep the confirmation and check the next statement for the charge.

Why forgotten subscriptions are easy to miss

People underestimate what they pay. In a C+R Research survey of 1,000 US consumers, reported by CNBC in 2022, people spent $133 a month more on subscriptions than they estimated, and 42% said they had forgotten they were still being charged for a subscription they no longer used. CNET's 2025 survey with YouGov (2,440 US adults) put spending on subscriptions people rarely or never use at $205 a year.

The reasons are practical:

Charges are scattered. Some bill your card directly, others go through PayPal, Apple or Google Play, so no single statement shows them all.
Names don't match. The merchant name on a statement is often a parent company or a payment processor, not the app you signed up for.
Annual plans hide. A yearly renewal appears once, so a three-month review misses it.
Trials convert. A free trial becomes a paid plan on a date you never wrote down.

Where to find recurring charges

A complete subscription check covers every place a charge can start. Use this list whether you do it yourself or hand it to Sai:

Card and bank statements: the last 3 months for monthly plans and the last 12 months for annual ones. If you already collect statements, see download bank statements automatically.
Email: search for "receipt", "renewal", "your subscription", "trial ends" and "invoice".
App store subscriptions: your Apple account and Google Play each keep a list of subscriptions billed through them.
PayPal: automatic payments you approved for merchants.
Accounts you sign in to rarely: software you used for one project, memberships, news sites.

Ways to find and cancel subscriptions, compared

Approach	Finds charges	Cancels for you	Covers app stores and PayPal	Cost
Do it yourself	Yes, if you check every source	No, you go through each flow	Yes	Free, takes an afternoon
Your bank or card app	Recurring charges on that card only	No	Only as charges on that card	Free
Subscription tracker apps (e.g. Rocket Money)	Yes, from linked accounts	Cancellation help on paid plans	Depends on linked accounts	Rocket Money Premium: $7 to $12 a month
Sai	Yes: statements, receipts, app stores and PayPal	Yes, on each service's own page, after your approval	Yes	Your Sai plan or API usage

Trackers are useful for watching spending day to day. Sai is for the part they leave to you: checking whether you still use each service, then working through each cancellation flow and saving the proof.

How to cancel unwanted subscriptions with Sai

Tell Sai where to look. Point it at your statements, your Gmail and your app store and PayPal accounts. The full prompt is in the Start with a prompt tab above.
Review the list. Sai fills a sheet with every recurring charge and marks the ones you have not used in 60 days, with the reason.
Approve what goes. Nothing is canceled until you approve it. You can approve all, some, or none.
Let Sai cancel. It signs in after your approval, follows each service's own flow, turns down retention offers and saves the confirmation.
Repeat every quarter. Schedule the same task every 3 months. Sai checks new statements and flags any canceled charge that comes back.

Sai ranks #1 on OSWorld, the public benchmark for agents that complete tasks on a real computer, which is what multi-screen cancellation flows demand. Once a run works, Sai repeats it each quarter without being watched, and only stops for the approvals you set.

For developers: the same task runs through the Sai API. Add the Sai MCP server to Claude Code, Codex or Cursor and ask your agent to start the task, or call POST /v1/agents/message directly. Sign-ins come back as approval links for the user, and your agent relays the cancellation list for approval before anything is canceled. Read the quick start.

Your cancellation rights in 2026

The federal "click-to-cancel" rule never took effect. The US Court of Appeals for the Eighth Circuit vacated it on July 8, 2025, on procedural grounds. The FTC opened a new rulemaking on its Negative Option Rule on March 11, 2026, with comments due April 13, 2026. In the meantime the FTC still enforces the Restore Online Shoppers' Confidence Act (ROSCA), and more than half of US states have automatic-renewal laws.

California's amended law, in effect since July 1, 2025, requires businesses to let you cancel through the same channel you used to sign up and to send an annual reminder with clear cancellation instructions. In practice: if you subscribed online, look for an online cancellation option before calling. This is general information, not legal advice.

Staying in control

Nothing is canceled without you. Sai shows the list and waits for your approval, and asks again before signing in to any account.
No new plans. The prompt tells Sai to turn down retention offers and never start, upgrade or switch a plan.
Read-only on money. Sai reads statements; it doesn't move money, dispute charges or change payment methods.
Proof for every cancellation. Each confirmation is saved to your Drive, which helps if a charge appears again.

Related use cases: download bank statements automatically, match receipts to card transactions and compare prices across shopping sites.

Last reviewed October 5, 2026.

Frequently asked questions

How do I find subscriptions I forgot about?

Check the last 3 months of card and bank statements, the last 12 months for annual plans, your email for receipts and renewal notices, your Apple and Google Play subscription lists, and PayPal automatic payments. Sai checks all of these and lists every recurring charge in one sheet.

How do I cancel unwanted subscriptions quickly?

Make one list of everything you pay for, mark what you no longer use, and cancel those through each company's own account page. Sai does the list and the cancellations, and asks you to approve each one first.

Can Sai cancel subscriptions for me?

Yes. After you approve, Sai signs in to each service, follows its cancellation flow, turns down retention offers and saves the confirmation. If a service only cancels by phone or chat, Sai tells you the steps instead.

Is Sai a subscription tracker like Rocket Money?

Not exactly. Trackers watch linked accounts and show spending. Sai works through the same websites you would, so it can check whether you still use a service and complete the cancellation, and it can run on a schedule.

Does canceling a subscription get my money back?

No. Canceling stops future charges. For past charges, ask the company for a refund or contact your card issuer.

Is the FTC click-to-cancel rule in effect?

No. A federal appeals court vacated it on July 8, 2025, and the FTC opened a new rulemaking in March 2026. ROSCA and state automatic-renewal laws, such as California's, still apply.

How often should I check for unused subscriptions?

Every 3 months catches monthly plans before many charges add up, as long as you also check the last 12 months for annual renewals. Sai can run the check every quarter on its own.

Can developers run this from their own agent?

Yes. Add the Sai MCP server to Claude Code, Codex or Cursor, or call the Sai API, and send the same prompt. Sign-ins come back as approval links, and nothing is canceled until the user approves the list.

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Stop paying for things you forgot

Give Sai the list of places to look. It finds the charges and waits for your OK before it cancels anything.