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Recurring subscriptions add up quietly — a streaming service here, a cloud storage plan there, a gym membership you signed up for in January — and because each individual charge is small, it's easy to lose track of how much they total together every month. This tool sums up to 10 named subscriptions into monthly and annual totals and ranks them by cost, giving you a clear, at-a-glance view of where recurring spending is actually going, and which subscriptions cost the most. It's a common personal-finance exercise precisely because subscription costs are designed to be easy to forget about — most billing happens automatically in the background, with no active decision required each month, which is exactly what makes an occasional deliberate audit valuable.
How it works
Enter each subscription's name and its monthly cost. The tool sums all the entries into a total monthly figure, projects that forward into an annual total by multiplying by 12, and ranks the individual subscriptions from highest to lowest monthly cost — surfacing your biggest recurring expenses first so you can decide where a closer look (or a cancellation) might be worthwhile.
- Enter number of subscriptions.
- Enter subscription 1 name.
- Enter subscription 1 monthly cost.
- Enter subscription 2 name.
- Enter subscription 2 monthly cost.
- Enter subscription 3 name.
- Enter subscription 3 monthly cost.
- Enter subscription 4 name.
- Enter subscription 4 monthly cost.
- Enter subscription 5 name.
- Enter subscription 5 monthly cost.
- Enter subscription 6 name.
- Enter subscription 6 monthly cost.
- Enter subscription 7 name.
- Enter subscription 7 monthly cost.
- Enter subscription 8 name.
- Enter subscription 8 monthly cost.
- Enter subscription 9 name.
- Enter subscription 9 monthly cost.
- Enter subscription 10 name.
- Enter subscription 10 monthly cost.
- Click Calculate to see your results.
Examples
A quick two-subscription audit
A $15/month streaming service and a $40/month gym membership total $55/month, or $660/year, with the gym flagged as the highest-cost subscription of the two.
A more typical modern subscription list
Five subscriptions — $15 streaming video, $10 music, $10 cloud storage, $40 gym, and $20 a meal-kit or subscription box — total $95/month, or $1,140/year, ranked from the gym membership down to the cloud storage plan.
Spotting a small forgotten charge
A $6/month app subscription that seems trivial on its own still adds up to $72/year — small enough to overlook individually, but worth including in the full audit for an accurate total.
Who should use it
- Reviewing recurring subscription spend.
- Deciding which subscriptions to cancel to cut monthly costs.
- Getting a true annual picture of small recurring charges.
Industry applications
- Personal finance
Advantages
- Shows both monthly and annual totals at once.
- Automatically ranks subscriptions by cost.
- Simple, quick way to see cumulative recurring spend in one place.
Limitations
- Only as complete as the subscriptions you remember to enter — doesn't scan your bank statement automatically.
- Doesn't track usage or value, only cost.
Common mistakes to avoid
- Forgetting smaller recurring charges (a single extra streaming service, a cloud storage plan) that individually seem too small to matter.
- Overlooking annually-billed subscriptions that don't appear on a typical monthly statement scan.
- Canceling based purely on cost ranking without considering how much value or actual use each subscription provides.
Best practices
- Do this audit every few months — subscriptions creep back in easily, and periodic review catches ones you've stopped using.
- Check a full year of bank/credit card statements, not just one month, to catch annually-billed subscriptions.
- Rate each subscription's actual recent usage alongside its cost before deciding what to cancel.
Tips
- Check a full bank/credit card statement for the past month while filling this in — it's easy to forget a subscription that only bills annually.
- Set a calendar reminder to re-run this audit every few months.