Spending and bills calculator

Subscription audit

Subscriptions are designed to be forgotten. This tool adds up every one you list into a single monthly and yearly total, so you can see the full cost at once instead of a dozen small charges spread across your statements.

$
$
$
$
Total per month
$75

$900 a year, across 4 subscriptions

Gym$45/mo
Streaming video$16/mo
Music$11/mo
Cloud storage$3/mo

Gym is your biggest, at $45/mo. The 2 marked in orange add up to $732/yr. Worth a quick check on whether you are still using each one enough to justify the price.

Want this saved and connected to a full plan?

A free account keeps your numbers ready across every calculator, no re entering them each time.

Sign up free

How this calculator works

  1. Step 1
    List every subscription

    Streaming, software, memberships, anything that charges on a schedule.

  2. Step 2
    Enter what each one costs

    The exact amount and how often it bills.

  3. Step 3
    See the real total

    One combined number, per month and per year, across everything you listed.

Frequently asked questions

Why does seeing the yearly total matter more than the monthly one?

A single subscription at ten dollars a month feels small, but a dozen of them adds up to well over a thousand dollars a year, a number most people never actually see in one place. The yearly total is what makes the real cost impossible to ignore.

What kinds of subscriptions should I include?

Anything that charges automatically on a recurring schedule, streaming services, software, gym or club memberships, subscription boxes, cloud storage, and app subscriptions. If you would not notice it disappearing from your statement, it belongs on this list.

How often should I run a subscription audit?

Every three to six months is enough to catch subscriptions you forgot about or no longer use, since new ones tend to accumulate quietly between checks. A quick recurring habit keeps this list accurate without becoming a chore.

What should I do after seeing my total?

Go through the list and ask, honestly, whether you used each one in the last month. Anything you cannot remember using is a strong candidate to cancel, and even canceling two or three often frees up real money without changing your day to day life at all.

Does this tool cancel subscriptions for me?

No, this tool only totals what you list, it does not connect to your accounts or cancel anything automatically. It gives you the clear picture, then you decide what stays and what goes, directly with each provider.

More spending and bills calculators

Every number on this page is a planning estimate, for informational and educational purposes only, not professional advice. Before you act on any major decisions, consult a qualified accountant, tax advisor, or financial advisor who knows your full picture.