subscription-audit

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

Subscription Audit

订阅审计

Overview

概述

Scans your transaction history for recurring subscription charges, totals your monthly and annual subscription spend, identifies subscriptions with no recent usage pattern changes, and recommends cancellation candidates.

扫描您的交易记录，查找重复订阅费用，统计您每月和每年的订阅支出，识别近期无使用模式变化的订阅，并推荐可取消的候选项目。

Wilson Tools Used

使用的Wilson工具

```
anomaly_detect
```
— detect unused or forgotten subscriptions via type
```
unused_subscriptions
```
```
transaction_search
```
— find all recurring charges and verify subscription patterns

```
anomaly_detect
```
— 通过
```
unused_subscriptions
```
类型检测未使用或被遗忘的订阅
```
transaction_search
```
— 查找所有重复收费并验证订阅模式

Workflow

工作流程

Run
```
anomaly_detect
```
with
```
types: ["unused_subscriptions"]
```
to surface subscriptions that appear to be unused or redundant.
Run
```
transaction_search
```
with
```
query: "subscription OR recurring OR monthly"
```
and
```
months: 6
```
to pull all subscription-like transactions over the past 6 months.
Group results by merchant name and calculate the monthly charge amount for each subscription.
Sum all recurring charges to produce a total monthly subscription spend and annualized cost.
Cross-reference the anomaly detection results with the transaction list. Flag any subscription that appeared in the unused list.
Present a table with columns: Merchant, Monthly Cost, Annual Cost, Months Active, Status (Active / Flagged for Review).
Recommend cancellation candidates — prioritize subscriptions flagged as unused, then sort remaining by cost descending.
Calculate potential annual savings if all flagged subscriptions were cancelled.

运行
```
anomaly_detect
```
并设置
```
types: ["unused_subscriptions"]
```
，找出看似未使用或冗余的订阅。
运行
```
transaction_search
```
，设置
```
query: "subscription OR recurring OR monthly"
```
和
```
months: 6
```
，提取过去6个月内所有类似订阅的交易记录。
按商家名称分组结果，计算每个订阅的月度费用。
将所有重复费用求和，得出月度订阅总支出和年度化成本。
将异常检测结果与交易列表交叉比对，标记出所有出现在未使用列表中的订阅。
生成表格，包含列：商家、月度费用、年度费用、活跃时长（月）、状态（活跃/标记待审核）。
推荐可取消的候选项目——优先选择标记为未使用的订阅，剩余的按费用从高到低排序。
计算如果取消所有标记的订阅，每年可节省的潜在金额。

Without Wilson

不使用Wilson的操作步骤

Export transactions from your bank as a CSV file (Chase: Statements & Documents > Download Account Activity > CSV; Bank of America: Statements & Documents > Download Transactions).
Open the CSV in a spreadsheet (Google Sheets or Excel).
Sort by the Description column and look for repeating merchant names with consistent amounts.
Use a filter: in Google Sheets, add a helper column with
```
=IF(COUNTIF(B:B, B2) > 1, "Recurring", "One-time")
```
where column B is the merchant/description column.
Create a pivot table grouping by merchant name, summing the amounts, and counting occurrences.
Any merchant appearing monthly with a consistent amount is likely a subscription.
Multiply each monthly charge by 12 to get annual cost.
Review each subscription and ask: "Did I use this in the last 30 days?" Cancel anything you answer "no" to.
Common subscription merchants to search for: Netflix, Spotify, Hulu, Disney+, Amazon Prime, Adobe, Dropbox, iCloud, Google One, YouTube Premium, gym memberships, news subscriptions.

从银行导出交易记录为CSV文件（大通银行：对账单与文档 > 下载账户活动 > CSV；美国银行：对账单与文档 > 下载交易记录）。
在电子表格（Google Sheets或Excel）中打开该CSV文件。
按“描述”列排序，查找名称重复且金额一致的商家。
使用筛选功能：在Google Sheets中添加辅助列，输入公式
```
=IF(COUNTIF(B:B, B2) > 1, "Recurring", "One-time")
```
（其中B列为商家/描述列）。
创建数据透视表，按商家名称分组，汇总金额并统计出现次数。
每月出现且金额一致的商家很可能是订阅服务。
将每个月度费用乘以12，得出年度成本。
逐一审核每个订阅，自问：“我过去30天使用过这项服务吗？”对回答“否”的服务进行取消。
需要搜索的常见订阅商家：Netflix、Spotify、Hulu、Disney+、Amazon Prime、Adobe、Dropbox、iCloud、Google One、YouTube Premium、健身房会员、新闻订阅。

Important Notes

重要提示

Subscription detection relies on pattern matching in transaction descriptions. Some merchants use varying names across charges.
Annual subscriptions (charged once per year) may not appear in a 6-month window. Extend the search range to 12-18 months to catch these.
Free trials that convert to paid subscriptions are easy to miss — look for small initial charges from unfamiliar merchants.

订阅检测依赖于交易描述中的模式匹配。部分商家在不同收费中使用不同的名称。
年度订阅（每年收费一次）可能不会出现在6个月的时间范围内。将搜索范围扩展至12-18个月以捕捉此类订阅。
免费试用转为付费订阅的情况容易被忽略——留意来自陌生商家的小额初始收费。