Subscription Audit

List every recurring payment and find exactly which ones are quietly draining your money.

100% private — no bank login, your data never leaves your device

Your subscriptions

Saved automatically in this browser. Tip: pull up your last 3 bank statements and add every recurring charge you find — most people discover 2–3 they forgot.

monthly burn

annual burn

subscriptions

cancel candidates / yr

Add a subscription

Name

Cost ($)

Billing cycle

All subscriptions (ranked by cost per day)

Reminders use browser notifications and fire when you open this page within 3 days of a renewal. Set renewal dates above to use them.

How it works

List every recurring charge

Add each subscription with its cost, billing cycle, and the last date you actually used it. Three months of bank statements catch the forgotten ones.

See your true burn

Monthly and annual totals, cost-per-day for every subscription, and a ranked list of cancel candidates — high cost plus unused.

Cancel before renewals hit

Enable optional renewal reminders and you'll be alerted days before a charge — while there's still time to cancel.

A quick guide to subscription creep

The average household is bleeding quietly

Recurring charges are designed to be forgettable: small amounts, auto-renewing, buried in statements. Studies regularly find the average American household spends well over $200 a month on subscriptions — and most people underestimate their own total by a wide margin. The leak is rarely one big charge; it is a dozen $6–$16 charges that no longer earn their keep. A manual audit forces each one to justify itself.

Cost-per-day makes comparisons honest

An $180/year subscription sounds serious; 49 cents a day sounds like nothing. Both are the same money. Cost-per-day is the most honest frame because it strips away billing-cycle marketing: a $15.99 monthly plan ($192/year, 53¢/day) is worse than a $150 annual plan (41¢/day) for the same service, and the daily number makes that obvious at a glance.

The two questions that matter

For each subscription, ask: when did I last use it, and would I sign up again today at this price? Anything unused for 90+ days is a cancel candidate, full stop — you can always resubscribe in five minutes if you miss it, and most services welcome you back with a discount. Annual plans deserve extra scrutiny: their renewals arrive once a year, feel huge, and are the easiest to miss. Set the renewal date here and let the reminder catch them.

Cancel smart, not just fast

Before canceling, check for retention offers (many services discount when you start the cancel flow), downgrade options (a cheaper tier often keeps what you actually use), and bundled duplicates — two cloud-storage plans or overlapping streaming services are the most common double-spend. Then cancel through the provider, screenshot the confirmation, and watch the next statement.

Worked Example

You list 11 subscriptions. The audit totals $1,847 per year — $154 a month. Three stand out: a $19.99/month streaming bundle you opened twice this year (cost per use: about $120), a $14.99/month music service overlapping a free tier you already use, and a $99/year “premium” app whose free version does everything you need. Canceling just those three saves $479 a year. The renewal reminders make sure the remaining eight never surprise you.

The real power is the annual view. $12.99 a month sounds trivial; $155.88 a year next to five similar charges is what actually drains accounts. Seeing every subscription converted to its yearly cost — $1,847 in this example — is what turns “I should cancel something” into action.

Guides for This Tool

How to Audit Your Subscriptions: Find the Charges You Forgot Before the Next Renewal

List every recurring payment, see your true monthly and annual burn, rank cancel candidates by cost per day, and set renewal reminders — with no bank login and nothing leaving your device.

Frequently asked questions

The tool scores each subscription by combining its annualized cost with how long it has been since you last used it. Expensive subscriptions you have not touched in months rise to the top of the cancel list — those are the renewals costing you the most for the least value.

No. Unlike premium services that require bank access, this tool is manual and privacy-first: you type in the subscriptions you know about, and nothing ever leaves your device.

If you enable browser notifications and set a reminder lead time, the tool checks your upcoming renewals each time you open the page and alerts you before a payment hits — so you can cancel in time.

In your browser's local storage on this device only. Clearing browser data will erase it, so use the CSV export as a backup.

Cost-per-day is the annual price divided by 365. It reframes a $180/year subscription as 49 cents a day, which makes it easier to compare subscriptions honestly — and to spot the ones that are not worth their daily price.

Search your email for “receipt”, “renewal”, and “trial ending”, then scan one month of card statements for recurring charges. Most people find two or three they’d forgotten — add each to the audit as you spot it.

Pause when you’ll genuinely return within a few months (seasonal sports, annual projects). Cancel when usage dropped to zero for 60+ days — you can always resubscribe, and most services keep your data for months.

Take the audit away with you

This tool totals your subscriptions in the browser. The free worksheet keeps the audit as a file you can update every month.

💳Free download