Subscription Cost Audit Calculator
List every recurring subscription and see your true monthly and annual spend.
🔒 Runs entirely in your browser — nothing here is ever uploaded
About the Subscription Cost Audit Calculator
Lists every recurring subscription you pay for, normalizes each to a monthly-equivalent cost regardless of its billing cycle, and totals your true monthly and annual subscription spend, the everyday 'subscription creep' most people underestimate.
- Add a row for each subscription, with its name, cost, and billing frequency.
- Add or remove rows as needed.
- Read your true monthly and annual totals — already normalized so annual and quarterly plans compare fairly against monthly ones.
A $99.99/year cloud storage plan works out to $8.33/mo; add a $15.49/mo streaming plan and a $29.99/quarter app subscription ($10.00/mo), and your true monthly total is $33.82 — $405.84/year.
This only totals what you enter — it can't discover subscriptions on your bank or card statement for you. It also doesn't judge which subscriptions are worth keeping.
- • Check a recent bank or credit-card statement for recurring charges before you start.
- • Annual plans are usually cheaper per month than paying monthly, but they hide the cost better.
- • Revisit this every few months — free trials that quietly convert to paid are a common way subscription costs creep up.
- Consumer Reports — subscription creep and hidden recurring costs — accessed 2026-08-31
Illustrative estimate only, not financial or tax advice. Verify figures with a licensed adviser or your local tax authority.