OTT, cloud storage, extra SIMs, gym, and "free trials" that billed anyway: none of these look large in isolation. Together they are a second EMI. A 30-minute pass in your Expense tracker is cheaper than another annual plan you forgot.
Pull the last 90 days
- Open the Kharch Log Sheet (or Today / reports in the app).
- Filter payees: Netflix, Amazon, Google, Jio, Airtel, Spotify, gym, VPN.
- Mark each as keep, share with family, or cancel this week.
UPI auto-pay vs card standing instructions
Some renewals hit UPI autopay, some hit a card that only appears in bank SMS. That is why app-only histories miss rows. Bank SMS into an Expense tracker is the wider net. See SMS auto-capture.
Family plans vs five logins
One household often pays for three OTT apps. Put the payer in the Sheet notes. If a sibling should chip in, the row is the reminder. A shared Sheet is enough; you do not need a bank-login money app.
After you cancel
Leave the old payee mapped. If a debit sneaks back, needs-review still flags it. Lifetime Kharch Log is ₹149 so the audit is not fighting a subscription of its own. Related: lifetime vs subscription apps.