Subscription Audit Calculator

Subscription spend varies widely, but many households underestimate it because charges are spread across cards and billing cycles. A complete subscription audit should total all active services into one monthly and annual number, then rank the most expensive categories.

Start with your top 3 most expensive subscriptions, then check for lower-tier plans, annual bundles, or ad-supported versions. Downgrading just a few high-cost services can produce meaningful annual savings while keeping core functionality you still use.

Multiply your total streaming monthly spend by 12 to get annual cost. For example, $89 per month in streaming equals $1,068 per year. This is often the largest subscription category once multiple services stack over time.

Opportunity-cost framing helps prioritize decisions. If recurring monthly subscription spend were invested instead, the 10-year value can be far higher than expected due to compounding. This makes it easier to decide which services are worth keeping.