You’re Not Broke—Your Subscriptions Are Bleeding You Dry
In 2025, it’s not the big expenses—but the quiet subscriptions—that are silently draining your salary.
From auto-renewed OTTs to forgotten food plans, the average urban Indian millennial spends ₹8,000–₹12,000 per year on services they barely use.
If your account feels lighter than it should… it’s time for a subscription audit.
Let’s break down how to spot, sort, and save—without giving up all the fun.
🧾 Step 1: List All Your Active Subscriptions (You’ll Be Shocked)
Start with these common categories:
| Category | Popular Services |
|---|---|
| OTT/Entertainment | Netflix, Prime Video, Hotstar, SonyLIV |
| Music | Spotify, Apple Music, YouTube Premium |
| Food & Grocery | Zomato Gold, Swiggy One, Instamart+ |
| Cloud/Storage | iCloud, Google One, Dropbox |
| Fitness/Wellness | Cult.fit, Headspace, StepSetGo Premium |
| Finance/Tools | CRED, stock apps, news paywalls |
👀 Hidden Tip:
Check your UPI AutoPay, Google Play, Apple Subscriptions, and credit card statements for surprises.
📉 Step 2: Classify: Essential vs Emotional vs Expired
Once you list them, use the 3E Filter:
| Type | Keep or Cut? |
|---|---|
| Essential (Daily use) | ✅ Keep with intention |
| Emotional (Impulse sign-ups) | 🤔 Trial pause, reassess later |
| Expired value (Unused) | ❌ Cancel immediately |
💡 Pro Trick:
If you haven’t used it in 21+ days, it’s probably not serving you.
🛠️ Step 3: Use Tools to Track & Cut Effortlessly
Smart people don’t track manually—they automate it.
Top Subscription Management Tools (India-Friendly):
Vizzve Budget Planner: See all your subscriptions in one place, auto-classified
CRED: Alerts for card-based auto-debits
Google Pay/UPI Autopay: Shows pending & recurring payments
Truebill (via VPN): International-style subscription cleanup
📲 With Vizzve, users report saving an average of ₹680/month by cancelling underused plans.
🧮 Real Savings: How ₹8,000/Year Disappears Quietly
| Service | Monthly ₹ | Annual ₹ |
|---|---|---|
| Netflix Premium | ₹649 | ₹7,788 |
| Spotify Duo | ₹149 | ₹1,788 |
| Zomato Gold | ₹299 | ₹3,588 |
| Google One (100 GB) | ₹130 | ₹1,560 |
| TOTAL | — | ₹14,724 |
Even cancelling 50% saves you ₹7K–₹8K/year!
That’s 2 SIPs, 1 weekend trip, or 3 EMIs paid in advance.
✅ Bonus: Smarter Subscription Alternatives
| If You Use… | Try This Instead |
|---|---|
| Netflix Solo | Switch to a shared family plan |
| Spotify Premium | Use free version + YouTube |
| Zomato Gold | Use only during offers or events |
| iCloud 50GB | Free up space, use local backup |
🧘 Minimalism is trending again in 2025. Keep what adds value, cancel what adds stress.
🧾 FAQs: Subscription Clean-up in India
Q1. What’s the easiest way to track all subscriptions?
Use Vizzve’s dashboard or check your UPI Autopay section for recurring deductions.
Q2. Will cancelling subscriptions hurt my credit score?
No. But bouncing auto-debits can, so always clean up instead of letting them fail.
Q3. Is it better to switch to annual plans?
Only if you're 100% sure you'll use the service long-term. Otherwise, monthly + review is smarter.
Q4. Can I pause subscriptions instead of cancelling?
Yes! Many platforms allow pausing. Use it as a trial break.
Q5. How can Vizzve help?
Vizzve gives you personalized nudges, alerts on unused services, and even monthly subscription health reports.
Published on : 14th July
Published by : SMITA
www.vizzve.com || www.vizzveservices.com
Follow us on social media: Facebook || Linkedin || Instagram
🛡 Powered by Vizzve Financial
RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.