Subscription Audit Calculator: Find Your Money Leaks

Planning information only. Totals and savings figures are planning estimates from the prices and usage you enter — not financial advice, tax advice, or a guarantee of savings. Prices change and cancellation terms vary by provider, so verify each subscription before cancelling.

List every recurring charge

Streaming, apps, cloud storage, memberships, software — add them all. The audit normalizes everything to monthly and yearly costs and flags the ones you barely use.

Why small charges hide so well

A $12 monthly charge feels minor, but it is $144 a year — and most households carry several forgotten ones at once: a trial that converted, an app upgraded by a child, a service kept “just in case”. Because each charge is small and automatic, the total only becomes visible when you line them all up together, which is exactly what this audit does.

The annual-billing trap

Yearly plans often advertise a lower monthly equivalent, but they take the whole amount up front and renew quietly a year later — long after the “last used” date. This tool divides yearly plans by 12 so they can be compared honestly with monthly ones before you decide anything.

Signal	What it usually means	Worth checking
Can’t remember using it	Paying for access you do not use	Cancel before the next renewal date
Rarely used, yearly billing	A large renewal may be coming	Set a reminder before the renewal week
Used weekly, monthly billing	Probably fair value	Check for a cheaper tier or family plan

Frequently asked questions

How often should I audit my subscriptions?

Twice a year works for most households, plus a quick check whenever a free trial starts. Trials are the biggest leak — if you do not set a reminder before the trial ends, assume it will convert to a paid plan.

Is annual billing ever the better deal?

It can be, for a service you use weekly and expect to keep — the discount is real. It is a trap when you are unsure you will keep using it, because the full year is charged up front and renews automatically.

What should I do before cancelling a flagged subscription?

Check three things: whether you are inside a contract or prepaid period, whether you would lose content or data (photos, playlists, documents), and the exact renewal date — cancelling before it avoids one more charge.

Does this tool see my bank account or card statements?

No. You type the subscriptions in yourself, everything is calculated in your browser, and nothing is uploaded or stored on a server.

Sources and methodology

CFPB — Ask CFPBConsumer answers on billing, recurring payments, and cancelling services; accessed October 2026.
Federal Reserve — Consumers and communitiesBackground on household spending and consumer finance; accessed October 2026.
ToolVerse DisclaimerExplains the limits of ToolVerse planning estimates.