MONTH

‹

July 2026

›

Subscriptions · monthly total

₹1,746/mo

Showing the verdicts as they stood on 31 Jul 26 — the agent re-run against that date, not today. Back to now

Total spend · July 2026

₹14,466

₹1,746 subscriptions due·₹12,720 spent this month

Recurring

5subscriptions

2 we can't judge

Wasted to date · as of 31 Jul 26

₹2,394

₹5,988 still on the table, across 2 subscriptions

We genuinely can't tell

2 subscriptions leave no trace when you use them — ₹3,542 riding on your answer. Rather than guess, we ask. Open one below to settle it, and until you do it counts for nothing.

Recurring subscriptions · monthly

ranked by money wasted

All transactions in July 2026

20 payments · ₹14,466
DateMerchantSourceAmount
31 Jul 26CHAI POINTDemo₹150
30 Jul 26INDIAN OILDemo₹2,100
29 Jul 26FLIPKARTDemo₹2,340
28 Jul 26SWIGGYDemo₹277
26 Jul 26BMTC BUSDemo₹60
25 Jul 26DOMINOS PIZZADemo₹549
22 Jul 26NYKAADemo₹780
21 Jul 26RAPIDODemo₹52
20 Jul 26BLINKITDemo₹275
16 Jul 26MYNTRADemo₹1,899
Show 10 more
14 Jul 26SWIGGYDemo₹314
14 Jul 26INDANE GASDemo₹1,105
13 Jul 26NETFLIXsubscriptionDemo₹649
11 Jul 26SWIGGY ONEsubscriptionDemo₹499
11 Jul 26ACT FIBERNETDemo₹1,499
10 Jul 26CHOCOLATE ROOMDemo₹460
8 Jul 26KUKU FM PREMIUMsubscriptionDemo₹99
8 Jul 26BESCOMDemo₹860
7 Jul 26RAZORPAY*ZOMATO GOLDsubscriptionDemo₹200
5 Jul 26AMAZON PRIMEsubscriptionDemo₹299

Your plan· always about today

a checklist, not an action — nothing is cancelled for you

You 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.

₹5,988
a year on the table

1Cancel these 2

saves ₹5,988 a year
Amazon Prime₹299/mo·₹2,093 wasted

You have had no Amazon orders in your history, meaning all 7 charges are unmatched.

Amazon → Account → Prime membership → End membership

Open the cancellation page →
Zomato Gold₹200/mo·₹800 wasted

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.
Accepting gives you a checklist — nothing is cancelled for you.Prose by Gemini · every figure computed in code

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 90 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.

60 transactions over 7 months (8 Jan 26 – 31 Jul 26)·usage checked over the last 90 days