Subscription Audit Savings Calculator

What a subscription audit is and when to use it

The average household or freelancer accumulates subscriptions faster than they cancel them — streaming services, software tools, memberships, and apps that seemed worthwhile when added but quietly keep charging long after use drops off. A subscription audit turns that vague sense of "I'm probably overpaying" into concrete numbers: what you're spending now, what price increases will cost you over the next year if you do nothing, and how much cancelling your least-used subscriptions would actually save.

Use this calculator when you want to set a concrete monthly savings target before going through your bank or credit card statement subscription by subscription. Enter your current subscription count and their average monthly cost, estimate what share you'd realistically cancel, and the calculator shows the potential savings alongside your new, trimmed monthly spend — useful for comparing against a savings goal.

The formula

Monthly Spend = Subscription Count × Average Monthly Cost

Savings Potential = Monthly Spend × (Cancel Rate ÷ 100)

Annual Spend = Monthly Spend × 12 × (1 + Annual Price Increase ÷ 100) — this projects a year of spending assuming prices rise once during the year by the entered percentage.

New Monthly Spend = Monthly Spend − Savings Potential

Worked example

Using the calculator's own defaults: 11 subscriptions averaging $16/month, a 20% cancel rate, and a 5% expected annual price increase.

Monthly Spend = 11 × $16 = $176.00
Savings Potential = $176.00 × 0.20 = $35.20
Annual Spend = $176.00 × 12 × 1.05 = $2,112.00 × 1.05 = $2,217.60
New Monthly Spend = $176.00 − $35.20 = $140.80

These figures match the calculator's displayed results for those inputs.

Common mistakes / how to interpret

Guessing at the cancel rate instead of counting. Go through your actual statement and count how many subscriptions you'd genuinely cancel before entering a cancel rate — a number pulled from thin air undermines the whole estimate.
Ignoring the annual increase on subscriptions you keep. Even subscriptions you don't cancel typically get price increases over time; the annual spend figure accounts for this on your current lineup, but a new round of increases next year isn't reflected until you re-run the calculator.
Treating "percent used" the same as "worth keeping." Percent Used and Cancel Rate are separate inputs on purpose — a rarely used subscription might still be worth keeping (an annual event pass, for example), so use usage as a signal to investigate, not an automatic cancellation rule.
Forgetting shared or family plans. If a subscription is split among several people, only your share of the monthly cost should go into the average — otherwise the audit overstates your true spend.

Frequently Asked Questions

How do I pick a realistic cancel rate?

List every subscription you're paying for and mark which ones you've used in the last month. Divide the count of unused (or rarely used) subscriptions by your total subscription count to get a data-based cancel rate, rather than guessing a round number like 20%.

Why does the annual spend projection include a price increase?

Most subscription services raise prices at least once a year, even for existing customers. Building a modest annual increase (commonly 3–10%) into the projection gives a more realistic full-year cost than assuming today's prices hold constant for twelve months.

Should I cancel every subscription with low usage?

Not automatically — some low-usage subscriptions (a once-a-year software license renewal, a seasonal streaming service) are still worth their cost for what they provide when you do use them. Use usage percentage as a prompt to review each one individually rather than a strict cutoff rule.

What should I do if my savings potential doesn't meet my goal?

Raise the cancel rate input to see how many additional cancellations would be needed to close the gap, or look for cheaper alternative plans and annual pricing discounts on subscriptions you want to keep rather than relying on cancellations alone.

Related calculators

Common Tip Percentages

Service	Typical Tip Range	Notes
Restaurant (sit-down)	15–20%	20%+ for exceptional service
Food delivery	10–20%	Consider extra for long distances
Taxi / rideshare	10–20%	More for assistance with luggage
Hotel housekeeping	$2–5/night	Leave daily, not just at checkout
Barber / hair salon	15–20%	On pre-discount total
Pizza delivery	10–15% or $3–5 minimum	Higher in bad weather

General Household Budget Ratios (50/30/20 Rule)

Category	% of Net Income	Examples
Needs	50%	Rent, groceries, utilities, insurance
Wants	30%	Dining out, entertainment, hobbies
Savings / Debt	20%	Emergency fund, retirement, extra payments

Common Measurement Conversions for Everyday Use

Quantity	US / Imperial	Metric Equivalent
1 cup	8 fl oz	237 mL
1 pint	16 fl oz	473 mL
1 quart	32 fl oz	946 mL
1 gallon	128 fl oz	3.785 L
1 lb	16 oz	453.6 g
1 ft	12 in	30.48 cm

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