Showing the verdicts as they stood on 31 Mar 26 — the agent re-run against that date, not today. Back to now
Total spend · March 2026
₹2,382
₹200 subscriptions due·₹2,182 spent this month
Recurring
1subscription
all judged
Wasted to date · as of 31 Mar 26
₹0
nothing flagged yet
Recurring subscriptions · monthly
ranked by money wastedZomato Gold
since 8 Jan 263 monthsDemonext 8 Apr
₹200/mo
Used
UsedHigh confidence4 Zomato orders in the last 82 days, most recently 11 days ago.
Are you still using Zomato Gold?
Your answer overrides our inference, in either direction
Evidence chain
Looked forZomato ordersmatching "zomato"Window8 Jan 26 — 31 Mar 26(82 days)Found in window4 transactionsLast usage20 Mar 2611 days agoNext charge8 Apr 26projected — last charge plus the usual gap3 charges since 8 Jan 26 · 2 months₹600 total- 9 Mar 26₹200seed-zomato-gold-3
- 7 Feb 26₹200seed-zomato-gold-2
- 8 Jan 26₹200seed-zomato-gold-1
All transactions in March 2026
6 payments · ₹2,382| Date | Merchant | Source | Amount |
|---|---|---|---|
| 20 Mar 26 | ZOMATO | Demo | ₹440 |
| 15 Mar 26 | NETFLIX | Demo | ₹649 |
| 13 Mar 26 | SWIGGY ONE | Demo | ₹499 |
| 9 Mar 26 | RAZORPAY*ZOMATO GOLDsubscription | Demo | ₹200 |
| 7 Mar 26 | AMAZON PRIME | Demo | ₹299 |
| 1 Mar 26 | ZOMATO | Demo | ₹295 |
Your plan· always about today
a checklist, not an action — nothing is cancelled for youYou have wasted ₹2,893 on subscriptions to date, and you could save ₹5,988 annually by cancelling the flagged services. Since 2026-07-31, the total wasted amount has increased from ₹2,394 to ₹2,893, while Amazon Prime and Zomato Gold have remained idle.
1Cancel these 2
saves ₹5,988 a yearYou have had no Amazon orders in your history, meaning all 7 charges are unmatched.
Amazon → Account → Prime membership → End membership
Open the cancellation page →You have not used this service in 116 days, which is outside the 90-day window, and you have been billed 4 times since.
Zomato app → Profile → Gold → Manage. Stop the UPI autopay mandate as well.
2Decide on these 2
₹4,290 at stake- Netflix₹649/mo₹3,894 at stake
Because Netflix leaves no separate charge when used, we cannot tell if you are using it and are asking you rather than guessing.
- KUKU FM PREMIUM₹99/mo₹396 at stake
We do not recognise this merchant and cannot tell what usage would look like, so we are asking you rather than guessing.
Answer these in the list above — each row has a Yes / No you can change later.
3Keep this one
- Swiggy One₹499/mo— You have placed 6 Swiggy orders in the last 90 days, with the most recent one occurring 3 days ago.
How this was worked out
What counts as a subscription?
A charge becomes a subscription when all four hold: the same merchant, charges 25–35 days apart, each within ±10% of the one before it, and at least 3 of them in an unbroken run.
Two different time windows are involved, and mixing them up is the easiest way to get a wrong number:
- Charge history is unbounded. Chains are traced as far back as your data goes — the month above names the period being reported, not a limit on what was read.
- Usage is checked over 82 days. That decides the verdict. But the score is bounded by when you last used the service, however long ago that was — so a subscription last used 115 days ago counts only the charges billed since, not the whole chain.
A gap longer than 35 days, or a price jump beyond 10%, ends the chain — only the current run counts. The monthly total is the sum of each subscription's latest charge, and the next-charge dates are projections from each chain's own cadence. Your history is shorter than 90 days, so the window has shrunk to 82 and confidence is capped accordingly.
12 transactions over 3 months (8 Jan 26 – 31 Mar 26)·usage checked over the last 82 days