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Subscription cost audit

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

List what you pay for and see what it really costs a year, and what the biggest ones add up to.

Estimate from the prices you enter.

Common questions

How do I find all my subscriptions?

Check the last three months of bank and card statements, and your app store subscription lists.

Are free trials a problem?

They often convert to paid plans. Set a reminder before the trial ends.