Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Value if redirected to investing
$14,438
Total spent on subscriptions per year
$2,860
True monthly subscription load
$238
Annual spend on unused services
$1,001
Monthly amount freed by cancelling
$83
Total redirected over the horizon
$10,010
Psst — share this and help Rex grow
One click, a permanent link with your numbers baked in.
Got your number — what next?
Pick one, it takes 20 secondsHow to use this
- 1Enter streaming & media ($/mo).
- 2Enter apps & software ($/mo).
- 3Enter fitness & wellness ($/mo).
- 4Enter delivery & shopping memberships ($/mo).
- 5Enter other monthly subscriptions ($/mo).
- 6Enter annual-billed subscriptions ($/yr).
- 7Enter share you rarely or never use (%).
- 8Enter expected investment return (%).
- 9Enter horizon (years).
- 10Read your value if redirected to investing on the right — it updates as you type.
- 11Hit Share to keep the scenario or send it to someone.
About this calculator
Recurring charges are individually trivial and collectively enormous, which is exactly why they survive scrutiny. This calculator totals monthly and annual subscriptions into one yearly figure, applies your own estimate of what share you rarely use, and shows both the immediate cash freed and what that amount becomes if redirected into savings over ten years. The invested figure is usually the persuasive one: a modest monthly total compounds into a meaningful sum, which reframes cancellation from penny-pinching to a genuine financial decision.
Worked example
Using the values the calculator loads with:
Inputs
- Streaming & media: 62 $/mo
- Apps & software: 48 $/mo
- Fitness & wellness: 45 $/mo
- Delivery & shopping memberships: 25 $/mo
- Other monthly subscriptions: 30 $/mo
- Annual-billed subscriptions: 340 $/yr
- Share you rarely or never use: 35 %
- Expected investment return: 7 %
- Horizon: 10 years
Results
- Value if redirected to investing: $14,438.16
- Total spent on subscriptions per year: $2,860.00
- True monthly subscription load: $238.33
- Annual spend on unused services: $1,001.00
- Monthly amount freed by cancelling: $83.42
- Total redirected over the horizon: $10,010.00
What each field means
Inputs
- Streaming & media ($/mo)
- The streaming & media used in the calculation, measured in $/mo. Starts at 62 $/mo so you have a working example on load.
- Apps & software ($/mo)
- The apps & software used in the calculation, measured in $/mo. Starts at 48 $/mo so you have a working example on load.
- Fitness & wellness ($/mo)
- The fitness & wellness used in the calculation, measured in $/mo. Starts at 45 $/mo so you have a working example on load.
- Delivery & shopping memberships ($/mo)
- The delivery & shopping memberships used in the calculation, measured in $/mo. Starts at 25 $/mo so you have a working example on load.
- Other monthly subscriptions ($/mo)
- The other monthly subscriptions used in the calculation, measured in $/mo. Starts at 30 $/mo so you have a working example on load.
- Annual-billed subscriptions ($/yr)
- The annual-billed subscriptions used in the calculation, measured in $/yr. Starts at 340 $/yr so you have a working example on load.
- Share you rarely or never use (%)
- The share you rarely or never use used in the calculation, measured in %. Starts at 35 % so you have a working example on load. Accepted range: 0–100 %.
- Expected investment return (%)
- The expected investment return used in the calculation, measured in %. Starts at 7 % so you have a working example on load.
- Horizon (years)
- The horizon used in the calculation, measured in years. Starts at 10 years so you have a working example on load.
Results
- Value if redirected to investing
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total spent on subscriptions per year
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- True monthly subscription load
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Annual spend on unused services
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Monthly amount freed by cancelling
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total redirected over the horizon
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How do I find every subscription I'm paying for?
Scan twelve months of statements rather than one — annual renewals and quarterly charges hide from a single month's view. Check app store subscription lists and PayPal recurring payments separately, since those often do not look like subscriptions on a card statement.
Is annual billing always cheaper?
Per month, usually — discounts of 15-20% are typical. But annual billing removes the monthly moment where you notice and cancel, so it is only cheaper for services you have already proven you use. Pay monthly for anything new until it has earned a year.
What return assumption is reasonable?
Around 7% is a common nominal long-run figure for a diversified equity portfolio before inflation; real returns after inflation are lower. Treat the invested number as illustrative of the scale of the decision, not as a forecast.
What's the fastest way to actually cut them?
Cancel first, resubscribe if missed. Most services keep your account and settings, so the cost of being wrong is one click and one month, while the cost of deliberating is another year of charges.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
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Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Subscription Audit Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/subscription-audit-annual
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/subscription-audit-annual" target="_blank" rel="noopener">Subscription Audit Calculator — RevenueLab</a> (2026).</p>
Source: [Subscription Audit Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/subscription-audit-annual) (2026).