List your subscriptions once and see the number they're designed to hide: the real monthly, yearly, and five-year total. Nothing you enter leaves your browser.
Small charges, honest total
Subscriptions are priced to be forgettable: individually small, automatically renewed, spread across cards and app stores. None of them feels like spending. The total is spending — and for most households it's bigger than the mental estimate by a wide margin. Listing them in one place is the entire trick.
The formula
- Every price is normalized to a month: weekly × 52 ÷ 12, yearly ÷ 12.
- Yearly total = monthly total × 12; five-year total = monthly total × 60.
How to use the result
Run the audit once, then act on the yearly number: cancel the lines that fail the "would I re-buy this today?" test, and see what the freed amount could become with our latte factor calculator — a recurring saving invested is the mirror image of a recurring charge. Repeat the audit once or twice a year; subscriptions regrow.
Frequently asked questions
- How do I find subscriptions I've forgotten?
- Scan two or three months of card and bank statements, plus your app store's subscription page and your email for the word 'receipt'. Forgotten trials that converted and annual renewals are where the surprises usually hide.
- Why show a five-year total?
- Because monthly framing is exactly how subscriptions stay invisible. A $15.99 charge feels trivial; the same service at nearly a thousand dollars over five years competes with real alternatives — and that's the honest comparison to make while deciding to keep it.
- Which subscriptions should I cancel?
- A useful test for each line: would you sign up again today at its yearly price? Keep the ones you'd re-buy without hesitating, cancel the ones you keep 'just in case', and calendar a reminder before any annual renewal you're unsure about.
- Is annual billing worth it?
- Usually cheaper per month for services you're certain you'll keep — but it converts a reversible cost into a committed one. Pay annually for the proven keepers, monthly for anything you're still auditioning.