Who wrote this: the team that makes SIMPL, a budgeting app with a subscription tracker, so we have a stake in this topic. Every price below links to where we read it, on 2026-10-20. The free ways to find forgotten subscriptions come first.

What your personal finance subscriptions cost

6 common personal finance services run from $6.99 to $14.99 a month at today's prices. All 6 together would be $66.13 a month, $793.52 a year. Nobody pays for all of them: add up the ones on your own statement.

What surveys say

42% of consumers said they had stopped using a subscription service but forgot they were still paying for it; they estimated spending $86/month on subscriptions, but their itemized total averaged $219 ($133 more). (C+R Research, 2022) crresearch.com
Americans waste an average of $252 a year on subscriptions they forgot, didn't cancel after a free trial, or don't use, up from $204 the year before (CNET 2026 subscription survey, as reported by ABC7, July 28, 2026). (CNET (reported by ABC7 San Francisco), 2026) abc7news.com

Today's prices

Service	Per month	Per year	Cancel
YNAB YNAB subscription (monthly or annual) ynab.com · compare with SIMPL	$14.99	$109	how to cancel
Monarch Money Core (monthly or yearly) monarch.com · compare with SIMPL	$14.99	$99.99	how to cancel
Copilot Money Copilot (yearly) copilot.money · compare with SIMPL	$7.92 billed yearly	$95	how to cancel
Quicken Simplifi Simplifi (billed annually) quicken.com · compare with SIMPL	$6.99 billed yearly	$83.88	how to cancel
PocketGuard PocketGuard Premium (Monthly / Yearly) pocketguard.com · compare with SIMPL	$12.99	$74.99	how to cancel
Tiller Tiller (annual) tiller.com · compare with SIMPL	$8.25 billed yearly	$99	how to cancel

Regular US prices, read on 2026-10-20, before tax. Introductory rates are left out. No price rises are assumed. Prices change, and the vendor's page is the final word.

Left out because we could not confirm a current price: Rocket Money.

6 of these prices come from the company's own pricing or help page. When a company has renamed a plan, we use its current name.

Cheaper ways to keep what you use

PocketGuard also sells a one-time Lifetime plan at $149.99. pocketguard.com
YNAB is $109 a year paid yearly, against $179.88 for twelve monthly bills. ynab.com
Rocket Money Premium is pay-what-you-choose; Rocket Money says it typically runs $7 to $14 a month. rocketmoney.com
Simplifi's first-year rate is lower than its regular price; the renewal is what you will pay after. quicken.com

How to find the ones you forgot

Free, and enough for most people:

Your bank or card statement. Scroll the last three months and mark every charge that repeats at the same amount. Many banks also have a "recurring payments" or "subscriptions" list in their app.
Your phone's app store. iPhone: Settings, tap your name, then Subscriptions. Android: Google Play, tap your profile, then Payments & subscriptions.
Your email. Search for "receipt", "renewal" or "your subscription". Annual renewals are the easiest to forget.

In SIMPL:

Drain Guard reads your expenses (from a linked bank, an imported statement, or ones you type in), finds the charges that repeat, and totals them by the month.
Keep or Cut takes you through each one, with how to cancel it where we have the steps.
Once you have cut, the budget's envelopes give the money you freed up a job, so it doesn't drift into the next subscription.

Before you renew any of these

When did you last use it?

If you can't remember, that is your answer. Most of these let you sign up again in a minute if you miss it.

Is there a smaller plan for how you actually use it?

An ad-supported tier, a smaller storage plan or a single-person plan is often half the price.

Would you pay yearly?

If you are keeping it anyway, a yearly plan usually costs less than twelve monthly bills. If you are not sure you will keep it, stay monthly.

Would you sign up today at this price?

Prices on several of these went up in 2026. Judge it on what it costs now, not what it cost when you joined.

How fast one cancellation covers SIMPL

SIMPL is $199 once. Cancel one of these and the money you stop paying covers it in:

YNAB ($14.99/mo): 14 months
Monarch Money ($14.99/mo): 14 months
PocketGuard ($12.99/mo): 16 months
Tiller ($8.25/mo): 25 months
Copilot Money ($7.92/mo): 26 months
Quicken Simplifi ($6.99/mo): 29 months

Can it pay for itself?

SIMPL is $199 once, about $17 a month over its first year. Its Drain Guard reads your expenses (from a linked bank, an imported statement, or ones you type in), finds the charges that repeat, and adds them up by the month. Keep or Cut then walks you through them one at a time. Cancel $17 a month of charges you'd forgotten about and SIMPL has paid for itself inside the first year.

It depends on what you find and what you cancel, so we don't promise a number.

Questions

What is the cheapest personal finance subscription here?

Quicken Simplifi (Simplifi (billed annually)) at $6.99 a month, billed yearly, as of the date above.

Do I need an app to find my subscriptions?

No. Your bank statement and your phone's subscription list find most of them for free. An app helps if you have several cards or want a running total.

Is SIMPL a subscription?

No. SIMPL is $199 once. Cloud Sync, which keeps it on more than one device, is optional at $4.99 a month, and the first three months come with the purchase.

Will SIMPL cancel subscriptions for me?

No. It finds them, totals them and walks you through each one. You cancel with the service yourself, using the cancel links on this page.

$199 once. No subscription.

Get SIMPL: $199