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Debt & Housing

Subscription Audit

Add up the small monthly charges across streaming, music, apps, fitness, and news. The total is almost always bigger than you think, and so is the long term cost.
Annual Subscription Burn
$0
What your recurring charges cost every year
Monthly Total
$0
All buckets combined
10-Year Cost If Invested
$0
Same money growing at 7%
Where Your Subscription Dollars Go
💡 The Quiet Drain
Estimates only. The 10-year figure assumes the same monthly amount invested instead, compounding at 7% per year. Markets are not guaranteed.
🏛 Predictable Income

Subscription Audit Calculator

Subscriptions are designed to be forgotten. Each one feels small on its own, ten dollars here, fifteen there, so the brain files it as harmless. Stack them across streaming video, music, apps, cloud storage, fitness, and news, and the monthly total often crosses one hundred dollars without a single large purchase ever showing up on a statement. A subscription audit makes the invisible visible by forcing every recurring charge into one number you can actually react to.

The annual figure is where the picture sharpens. A casual collection of services that feels like pocket change can quietly cost more than a flight, a car repair, or a month of groceries every year. Once you see the yearly burn, the question stops being whether each service is worth ten dollars and becomes whether the whole bundle is worth the annual price. That reframing is what helps people cancel the three or four services they forgot they were even paying for.

The long term cost is the part most people never calculate. Money spent on a subscription is money that cannot compound. This tool models the same monthly amount invested instead, growing at a steady seven percent per year. Over ten years, a modest subscription habit can represent thousands of dollars in lost growth. Seeing that number does not mean canceling everything, it means choosing your subscriptions on purpose rather than by default.