# an ai that finds the subscriptions you forgot and cancels them with you

> folk finds the subscriptions you stopped using, tells you what they cost, and drafts the cancel and refund email from your own gmail. you tap send, it's gone.

Subscription businesses count on one thing: you forgetting. The free trial rolls over, the price creeps up, and the $12 a month keeps leaving because cancelling takes 20 minutes you never have. folk is the friend in your texts that does have 20 minutes. It sees every recurring charge in your bank, notices the ones you stopped opening, tells you what they add up to, and writes the cancel email with the refund ask already in it. You say send.

## How folk does it

### link your bank, read-only

The connection runs through Plaid on your bank's own login page. folk can see transactions and balances and nothing else; it cannot move a cent. Or skip the bank and just ask "what am i still paying for" once folk can see your inbox.

### folk finds the leaks

It groups the recurring charges, totals the monthly burn, and flags the ones that have gone quiet: no login, no email from them, no use. "11 active, $146 a month. headspace and adobe untouched for 90 days" is the kind of text you get.

### say cancel, folk writes it

folk drafts the cancellation with the refund request for the unused period, addressed to the merchant's support. If you already told it to cancel that one, that counts as the yes and it goes out from your Gmail in the same turn. Then it watches your bank for the refund to land.

## Example conversation

**You:** what subscriptions am i still paying for

**folk:** 11 active, $146/mo. you haven't opened canva in 47 days and it went up to $25 last month. headspace untouched since june.

**You:** cancel both

**folk:** both cancel emails sent from your gmail, with a refund ask for the unused month on canva. i'll text you when the money lands.

## FAQ

### Does folk cancel the subscription itself?

folk writes the cancellation email and sends it from your own Gmail after you say send. It does not log into merchant accounts or cancel anything without you, so nothing disappears by surprise.

### How does folk know I stopped using something?

It looks at the recurring charge next to signals like how long since the merchant last emailed you and whether you have mentioned it. Then it asks. You always confirm before anything is sent.

### Is this free?

Starting a cancellation is free on every plan, and a bank counts as one of the two apps you can connect for free. Always-on watching, so folk texts you before the next renewal without being asked, is part of Pro at $9.99 a month.

## Related use cases

- [an ai that catches double charges and writes the dispute](https://www.folk.com/use-cases/duplicate-charge-detector)
- [an ai that gets your bank fees refunded](https://www.folk.com/use-cases/get-bank-fees-refunded)
- [an ai money coach that keeps your spending on track](https://www.folk.com/use-cases/ai-money-coach)

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Canonical page: https://www.folk.com/use-cases/cancel-unused-subscriptions
More about folk (for AI agents): https://www.folk.com/llms.txt · full context: https://www.folk.com/llms-full.txt
folk is the friend in your texts that keeps you on track (iMessage, Telegram, WhatsApp). Free forever, Pro $9.99/mo, Max $100/mo. Made by Nozomio Labs. Sign up: https://www.folk.com/