When do your subscriptions actually charge you?
Most subscriptions bill on your signup date — but the annual fees, the promo-rate expirations, and the "on or around" drift are where the surprise charges come from. Merchant-by-merchant: when the charge lands, how to find your exact date, and whether you can move it.
See all your billing dates at onceFree to set up — no card needed.
Real numbers from the founder's own account, July 2026. Your waste will vary — that's the point of the audit.
Billing-date guides
3 free ways to see all your upcoming bills
1. The spreadsheet
Go through your last two or three bank statements, list every recurring charge with its date and amount, and sort by day of month. Tedious but thorough — and go back a full 12 months if you want to catch annual fees, which is exactly where this method usually breaks down.
2. The calendar hack
For each subscription, create a repeating calendar event on its billing date with the amount in the title, plus a reminder two days before. Works well for the monthlies you know about; it can't warn you about the ones you've forgotten, and drifting billing dates (looking at you, Spotify) slowly walk away from the event.
3. The Skycopia audit
Connect your bank once and Skycopia builds the list from your actual charge history — every recurring charge, its real billing date, and alerts before each renewal, including the off-cycle annual fees. The founder's own audit found 62 recurring charges totalling $19,207/yr across 6,027 transactions (July 2026). Free, no card.
Stop guessing your billing dates.
One free audit maps every recurring charge in your bank history — dates, amounts, and the renewals sneaking up on you. No credit card required.
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