Subscription Audit Calculator
Find hidden subscription costs, mark ones to cut, and see how much you can save per year.
Quick Add Common Subscriptions
Your Subscriptions
Subscription Savings Tips
Check Bank Statements
Go through 3 months of bank and credit card statements. You'll likely find charges you forgot about — old free trials, unused apps, or duplicate services.
Share Family Plans
Many services (Spotify, YouTube, Apple) offer family plans. Split the cost with household members to save 40-60% per person.
Rotate Services
Instead of paying for Netflix, Hulu, and Disney+ simultaneously, subscribe to one at a time and rotate quarterly. Binge what you want, then switch.
Negotiate or Downgrade
Call retention departments for services you want to keep. Many will offer discounts. Also check if a lower tier meets your needs — ad-supported plans save $5-10/mo.
Frequently Asked Questions
How often should I audit my subscriptions?
Financial experts recommend auditing subscriptions every 3 months. Many people forget about free trials that convert to paid plans, or services they no longer use. A quarterly check can save hundreds per year.
What counts as a subscription?
Any recurring charge — streaming services, apps, software, gym memberships, meal kits, cloud storage, gaming services, news sites, and even insurance or membership fees you pay monthly or annually.
How much does the average person spend on subscriptions?
Studies show the average American spends $219/month on subscriptions — often $100+ more than they estimate. That is over $2,600/year, much of which goes to services rarely used.
Can I cover my subscriptions with side hustle income?
Absolutely! At a typical gig rate of $15-25/hr, most people can cover their essential subscriptions with just 5-15 hours of side hustle work per month. Use our other calculators to plan this out.