Subscription Cost Audit Calculator
Add up all your monthly subscriptions to reveal your true total spending and annual cost.
See which ones are worth keeping.
The Subscription Creep Problem The average American household spends over $200 per month on subscription services — often without realizing it. Small charges of $5, $11, or $15 per month feel trivial individually but add up fast.
$200/month = $2,400/year = $24,000 over 10 years.
How to Do a Subscription Audit
- Pull your last 2-3 bank and credit card statements
- Highlight every recurring charge
- For each one, ask: “Did I use this in the past 30 days?”
- Cancel anything you answer “no” to immediately
Subscription Categories
- Video Streaming: Netflix, Disney+, Hulu, Max, Peacock, Paramount+, Apple TV+
- Music: Spotify, Apple Music, Tidal, Amazon Music
- Cloud Storage: iCloud, Google One, Dropbox, OneDrive
- Software/Apps: Adobe Creative Cloud, Microsoft 365, password managers
- Fitness/Wellness: gym membership, Peloton, meditation apps, fitness apps
- News/Content: NYT, WSJ, Kindle Unlimited, Audible, Substack
- Gaming: Xbox Game Pass, PlayStation Plus, Nintendo Switch Online, PC Game Pass
- Other: food delivery memberships, shopping perks, VPN, antivirus
The “Use It or Lose It” Rule If you have not used a subscription in 30 days, there is a 70% chance you will not use it next month either. Cancel it — you can always resubscribe if you actually miss it.
Negotiation Tip Many services offer discounts when you call to cancel. Annual billing typically saves 15-25% vs. monthly.