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Subscription Cost Audit

Free subscription cost audit: list your recurring charges with mixed billing cycles and see the normalized monthly total, annual total, daily average, and each subscription's share of spend.

YOUR WORKSPACEFree to use. No sign-up.
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List your subscriptions, then press Total it up.

Deep dive guides

A LITTLE CONTEXT · 4 MIN READThe Subscription Audit: Finding the Money Hiding in Recurring Charges

How subscription cost audit works

Subscriptions are hard to total because they arrive in mixed cycles: a weekly plan here, an annual renewal there, everything else monthly. The audit normalizes each one to a common basis — annual cost = amount × payments per year (weekly ×52, biweekly ×26, monthly ×12, quarterly ×4, yearly ×1), then monthly = annual ÷ 12 — so a 95.88 yearly plan reads as 7.99 per month next to a 15.99 monthly one.

Enter each subscription with its price and cycle; the tool returns the per-item monthly and annual cost, each item's share of total spend, the combined monthly and annual totals, and a daily average (annual ÷ 365). The item list is sorted by annual cost for the "biggest leak first" view. Seeing that a 9.99 weekly plan is actually 519.48 a year is the entire point of the exercise.

Everything runs in your browser — the list is never sent anywhere — so the audit is safe to do with real numbers. A good cadence is once a quarter: list, total, and cancel whatever you did not consciously choose to keep. The annual total is usually the number that changes behaviour; the monthly total is the number that hides from it.

Frequently asked questions

How are different billing cycles compared?
Each price is multiplied by how many times it bills per year (weekly 52, biweekly 26, monthly 12, quarterly 4, yearly 1) to get an annual cost, then divided by 12 for a monthly equivalent. That makes a 4.99 weekly and a 59.94 yearly directly comparable: they cost 259.48 versus 59.94 per year.
Does the yearly amount include the discount for paying annually?
Enter what you actually pay. If the annual plan costs 95.88 because it is 7.99 × 12, enter 95.88 as yearly. Annual plans often discount 10–20% versus monthly billing — entering the real charge keeps the totals honest rather than assuming the monthly rate.
What is a good target after an audit?
A common benchmark is to keep subscriptions under about 5–10% of take-home pay, but the more useful test is simpler: for each item, could you say what it cost last year and when you last used it? Anything you cannot answer for is the first cancellation candidate, regardless of percentage.
Why show a daily average?
Because small amounts feel negligible daily but compound annually: a 30-per-month stack is about 1 per day and 360 per year. The daily framing is not to make you feel bad — it is to give small recurring costs a scale your intuition can actually compare against, like a coffee habit.
Is my subscription list stored anywhere?
No. The calculation runs entirely in your browser and nothing is uploaded, so you can enter real names and amounts. If you want to keep the list, copy the result — the tool does not retain anything between visits beyond what your browser itself remembers.