# Submo

> Submo is a subscription manager that finds every recurring charge you pay for, shows what renews and when, and gives you the exact steps to cancel each one.

Submo is a web app at [submoapp.com](https://submoapp.com/).

## What it does

- Finds recurring charges by scanning a connected inbox or an uploaded bank/credit-card statement.
- Lists every subscription in one place with true monthly and yearly spend totals.
- Shows a renewal calendar and sends reminders before money leaves your account.
- Provides step-by-step cancellation instructions for each service.
- Offers an AI money advisor that suggests what to cut and why.

Submo can cancel for you: for a one-time fee it composes a formal, dated cancellation notice from your details and sends it to the provider on your behalf, and you keep a copy. A person dispatches every notice, so it is not instant, and anything the notice asks for beyond cancellation — a refund of the unused portion, deletion of your data — is a request the provider can refuse. The step-by-step guides stay free if you would rather do it yourself.

## How subscriptions get found

There are four routes into Submo, three of them available today:

- **Gmail scan**: Anything that emails you a receipt. Almost every subscription emails you a receipt, which means the answer is usually already sitting in your inbox. Submo asks Google for read-only access, searches targeted receipt and recurring-billing queries, and reads the price and billing cycle from the matching messages.
- **Statement analyzer**: Anything that touches your card or account. Some charges never send an email (the gym, the parking app, the thing you signed up for in 2023). Export a PDF statement from your bank and Submo reads the transaction lines directly: it groups repeated merchant descriptors, measures the gaps between charges to work out the cadence, and throws out anything whose amount wanders.
- **Manual entry**: Everything, including cash and shared plans. No scan sees everything. A family plan someone else pays for, a membership taken in cash, a direct debit under a company name you'd never connect to the service. Pick from the catalog of popular services or add your own, and it behaves like any other subscription from that moment on.
- **Bank connection**: Recurring charges, continuously. A live connection means a new recurring charge shows up without you exporting anything, and a price rise surfaces the month it happens rather than the next time you think to check. Submo connects through Plaid, refreshes your accounts automatically, and never has the ability to move money.

Details, including the manual checks a person can run without an account:
https://submoapp.com/find-subscriptions

## Privacy

Uploaded statements are parsed in memory and are not stored. Submo does not sell user data.

## Pricing

Each plan is billed at an introductory rate for its first billing cycle, then reverts to the standard recurring rate:

- **Weekly**: $0.99 3-day trial, then $4.99/wk

## Cancellation guides

Free, step-by-step guides covering every way each service can be billed
(directly, or via Apple, Google Play, Amazon, Roku), what happens to your access
after cancelling, whether a refund is possible, and the common traps. Index:
https://submoapp.com/cancel-subscription

- How to cancel Netflix: https://submoapp.com/cancel-subscription/netflix
- How to cancel Spotify Premium: https://submoapp.com/cancel-subscription/spotify
- How to cancel Disney+: https://submoapp.com/cancel-subscription/disney-plus
- How to cancel Hulu: https://submoapp.com/cancel-subscription/hulu
- How to cancel Amazon Prime: https://submoapp.com/cancel-subscription/amazon-prime
- How to cancel HBO Max: https://submoapp.com/cancel-subscription/hbo-max
- How to cancel YouTube Premium: https://submoapp.com/cancel-subscription/youtube-premium
- How to cancel Apple TV+: https://submoapp.com/cancel-subscription/apple-tv-plus
- How to cancel Paramount+: https://submoapp.com/cancel-subscription/paramount-plus
- How to cancel Peacock: https://submoapp.com/cancel-subscription/peacock
- How to cancel Audible: https://submoapp.com/cancel-subscription/audible
- How to cancel DashPass: https://submoapp.com/cancel-subscription/doordash-dashpass
- How to cancel Uber One: https://submoapp.com/cancel-subscription/uber-one
- How to cancel Planet Fitness: https://submoapp.com/cancel-subscription/planet-fitness
- How to cancel ChatGPT Plus: https://submoapp.com/cancel-subscription/chatgpt-plus
- How to cancel Adobe Creative Cloud: https://submoapp.com/cancel-subscription/adobe-creative-cloud
- How to cancel Duolingo Super: https://submoapp.com/cancel-subscription/duolingo-super
- How to cancel Xbox Game Pass: https://submoapp.com/cancel-subscription/xbox-game-pass
- How to cancel PlayStation Plus: https://submoapp.com/cancel-subscription/playstation-plus
- How to cancel The New York Times: https://submoapp.com/cancel-subscription/nytimes

## Price research

Free, sourced price histories for the subscriptions people pay for. Every figure
is a US list price tied to the report that documented the change, each study
publishes a CSV, and all of it is reusable with attribution. Index:
https://submoapp.com/data

### The Submo Streaming Price Index
The five biggest ad-free streaming services cost $89.45 a month, up +69% since January 2021. A sourced price history of the subscriptions people actually pay for, updated monthly.
- Page: https://submoapp.com/data/streaming-price-index
- CSV: https://submoapp.com/data/streaming-price-index/prices.csv

### The Submo Live TV Price Index
The two biggest live TV bundles now average $86.49 a month, up +131% since May 2017. A sourced price history of YouTube TV, Hulu + Live TV and Sling, updated monthly.
- Page: https://submoapp.com/data/live-tv-price-index
- CSV: https://submoapp.com/data/live-tv-price-index/prices.csv

### The Submo Music Price Index
An ad-free individual music subscription now averages $12.32 a month, up +23% since June 2018, a fraction of what video did over the same stretch. Sourced price history, updated monthly.
- Page: https://submoapp.com/data/music-price-index
- CSV: https://submoapp.com/data/music-price-index/prices.csv

### The Submo Membership Price Index
Four everyday memberships cost $39.73 a month between them, up just +4% since December 2021, while streaming rose an order of magnitude more. Sourced price history, updated monthly.
- Page: https://submoapp.com/data/membership-price-index
- CSV: https://submoapp.com/data/membership-price-index/prices.csv

### The Submo AI Subscription Price Index
The entry price for a consumer AI assistant has not moved from $20.00 a month since February 2024. What changed is the tier above it, and the software AI got bundled into. Sourced price history, updated monthly.
- Page: https://submoapp.com/data/ai-price-index
- CSV: https://submoapp.com/data/ai-price-index/prices.csv

### Price changelog

Every documented US price change across the tracked services, newest first,
each tied to the report that documented it. Updated monthly:
https://submoapp.com/data/price-changes

### Per-service price histories

One page per service — the full timeline of documented US prices, charted and
sourced. Index: https://submoapp.com/data/price-history

- Netflix (Standard (no ads)): $19.99/mo, +54% since January 2019 (4 changes) — https://submoapp.com/data/price-history/netflix
- Hulu (No Ads): $18.99/mo, +58% since February 2019 (4 changes) — https://submoapp.com/data/price-history/hulu
- Disney+ (Premium (no ads)): $18.99/mo, +172% since November 2019 (5 changes) — https://submoapp.com/data/price-history/disney-plus
- HBO Max (Standard (no ads)): $18.49/mo, +23% since May 2020 (3 changes) — https://submoapp.com/data/price-history/hbo-max
- Apple TV+ (Monthly (ad-free)): $12.99/mo, +160% since November 2019 (3 changes) — https://submoapp.com/data/price-history/apple-tv-plus
- Paramount+ (Premium (no ads)): $13.99/mo, +40% since March 2021 (3 changes) — https://submoapp.com/data/price-history/paramount-plus
- Peacock (Premium Plus): $16.99/mo, unchanged since July 2025 — https://submoapp.com/data/price-history/peacock
- YouTube Premium (Individual): $15.99/mo, +33% since May 2018 (2 changes) — https://submoapp.com/data/price-history/youtube-premium
- YouTube TV (Base Plan): $82.99/mo, +137% since April 2017 (5 changes) — https://submoapp.com/data/price-history/youtube-tv
- Hulu + Live TV (With ads): $89.99/mo, +125% since May 2017 (7 changes) — https://submoapp.com/data/price-history/hulu-live-tv
- Sling TV (Orange): $45.99/mo, +15% since March 2023 (1 change) — https://submoapp.com/data/price-history/sling-orange
- Spotify Premium (Individual): $12.99/mo, +30% since July 2011 (3 changes) — https://submoapp.com/data/price-history/spotify
- Apple Music (Individual): $11.99/mo, +20% since June 2015 (2 changes) — https://submoapp.com/data/price-history/apple-music
- YouTube Music Premium (Individual): $11.99/mo, +20% since May 2018 (2 changes) — https://submoapp.com/data/price-history/youtube-music
- Amazon Music Unlimited (Individual (without Prime)): $11.99/mo, +9% since August 2023 (1 change) — https://submoapp.com/data/price-history/amazon-music
- Amazon Prime (Annual membership): $139.00/yr, +40% since March 2014 (2 changes) — https://submoapp.com/data/price-history/amazon-prime
- Walmart+ (Annual membership): $98.00/yr, unchanged since September 2020 — https://submoapp.com/data/price-history/walmart-plus
- Uber One (Monthly membership): $9.99/mo, unchanged since November 2021 — https://submoapp.com/data/price-history/uber-one
- DoorDash DashPass (Monthly membership): $9.99/mo, unchanged since August 2018 — https://submoapp.com/data/price-history/doordash-dashpass
- Costco (Gold Star membership): $65.00/yr, +8% since June 2017 (1 change) — https://submoapp.com/data/price-history/costco
- Sam's Club (Club membership): $60.00/yr, +20% since October 2022 (1 change) — https://submoapp.com/data/price-history/sams-club
- ChatGPT Plus (Plus): $20.00/mo, unchanged since February 2023 — https://submoapp.com/data/price-history/chatgpt-plus
- ChatGPT Pro (Pro): $200.00/mo, unchanged since December 2024 — https://submoapp.com/data/price-history/chatgpt-pro
- Claude Pro (Pro): $20.00/mo, unchanged since September 2023 — https://submoapp.com/data/price-history/claude-pro
- Claude Max (Max (20x)): $200.00/mo, unchanged since April 2025 — https://submoapp.com/data/price-history/claude-max
- Google One AI Premium (AI Premium): $19.99/mo, unchanged since February 2024 — https://submoapp.com/data/price-history/google-ai-premium
- GitHub Copilot (Individual): $10.00/mo, unchanged since June 2022 — https://submoapp.com/data/price-history/github-copilot
- Microsoft 365 (Personal): $9.99/mo, +43% since February 2013 (1 change) — https://submoapp.com/data/price-history/microsoft-365

## When to use Submo

Use Submo when a person wants to discover forgotten recurring charges, list upcoming renewals, follow a cancellation guide, or look up sourced subscription prices. Do not use it to cancel a third-party service automatically — guides are instructions the user completes with the provider.

## Submo developer resources (submoapp.com)

Submo exposes a versioned HTTP API and two hosted MCP servers so an assistant can take someone from checkout through discovery, tracking, and cancellation. Public research (plans, cancel guides, price indexes) needs no key. Account tools need a paid API key from Account or from agent checkout.

- [Submo developer portal](https://submoapp.com/developers) — API, MCP, and auth in one page
- [Submo OpenAPI spec](https://submoapp.com/openapi.json) — every /v1 path and schema
- [Submo auth walkthrough (auth.md)](https://submoapp.com/auth.md) — how an agent gets a key
- [Submo agent skill (SKILL.md)](https://submoapp.com/SKILL.md)
- [Submo agent rules (AGENTS.md)](https://submoapp.com/AGENTS.md)
- [Submo MCP server](https://api.submoapp.com/mcp) — also at https://mcp.submoapp.com
- [Submo research MCP server, no key](https://api.submoapp.com/mcp/docs) — also at https://mcp.submoapp.com/docs
- [Submo MCP server card](https://submoapp.com/.well-known/mcp/server-card.json) — tool list and in-agent views
- [Submo AI Catalog (ARD)](https://submoapp.com/.well-known/ai-catalog.json) — one manifest for all of the above
- Scoped indexes: [docs](https://submoapp.com/docs/llms.txt) · [MCP](https://submoapp.com/mcp/llms.txt) · [developers](https://submoapp.com/developers/llms.txt) · [price data](https://submoapp.com/data/llms.txt)

Errors are always JSON: `{ "error": { "code", "message", "hint", "docs_url" } }`, on every 4xx and 5xx including an unmatched path. Branch on `code`.

There are no outbound webhooks. Long-running work is polled: `POST /v1/scans/email` or `POST /v1/scans/statement` returns 202, then `GET /v1/scans/{id}` until `status` is `complete`.

Gmail and bank connect return a human URL. The API and MCP never cancel at the provider — they return steps. The paid done-for-you notice service is on the website: https://submoapp.com/cancel-subscription.

## Blog

Research and writing on subscription prices, hidden renewals, and taking back your money.

- Index: https://submoapp.com/blog

## Free tools

### Subscription cost calculator

Adds up what a set of subscriptions costs per month and per year, then projects
five, ten or twenty years two ways: at today's prices, and with each service
compounded at the rate it has actually raised prices (derived from the price
histories above). Covers 35 services, plus custom entries. Runs
entirely in the browser — no signup, nothing stored:
https://submoapp.com/subscription-cost-calculator

## FAQ

### How does Submo find my subscriptions?
Connect your inbox or upload a bank/credit-card statement. Submo scans for recurring charges and builds one clean list. Statements are parsed on our server and never stored.

### Does Submo cancel subscriptions for me?
Both ways are available. Every service has a free step-by-step guide you can follow yourself in a couple of minutes. Or, for a one-time fee, Submo composes a formal written cancellation notice and sends it to the provider on your behalf, and gives you a dated copy to keep. What Submo never does is sign in to your account — we don't ask for your password.

### Is my financial data safe?
Yes. We never sell your data, and statement files are processed in memory and discarded. You stay in control of what you connect.

### Can I use it on my phone too?
Yes. Submo is a web app, so it works in the browser on your phone, tablet, or computer. Sign in and your account is there.

### How do I cancel my Submo membership?
Anytime, from Account. If you cancel during the free trial you won’t be charged.

## Links

- [Home](https://submoapp.com/)
- [Blog](https://submoapp.com/blog)
- [How to find your subscriptions](https://submoapp.com/find-subscriptions)
- [Cancellation guides](https://submoapp.com/cancel-subscription)
- [Cancel App Store (Apple) subscriptions](https://submoapp.com/cancel-apple-subscriptions)
- [Price research](https://submoapp.com/data)
- [Subscription cost calculator](https://submoapp.com/subscription-cost-calculator)
- [Price changelog](https://submoapp.com/data/price-changes)
- [Per-service price histories](https://submoapp.com/data/price-history)
- [Full guide text](https://submoapp.com/llms-full.txt)
- [Get started](https://submoapp.com/quiz)
- [Developers](https://submoapp.com/developers)
- [About](https://submoapp.com/about)
- [Contact](https://submoapp.com/contact)
- [OpenAPI](https://submoapp.com/openapi.json)
- [Hosted MCP](https://api.submoapp.com/mcp)
- [Privacy Policy](https://submoapp.com/privacy-policy)
- [Terms of Use](https://submoapp.com/terms-of-use)
- [Delete account](https://submoapp.com/delete-account)
- Support: hello@submoapp.com