Subscription Audit Calculator
List your subscriptions, mark which ones you actually use, and see the real total you're paying every month and every year, plus what cancelling the rest could be worth if you invested it instead.
Estimate only. This calculator is for general budgeting guidance only. The invested-instead figures are an illustrative projection at a fixed, editable growth rate, growth is not guaranteed and investments can fall in value as well as rise. Not financial advice.
2 subscriptions marked to cancel
If you invested that cancel saving instead
Illustrative projection only, growth not guaranteed. Assumes you keep investing the monthly saving at the rate above.
| Years | Contributed | Interest earned | Could be worth |
|---|---|---|---|
| 10 | £3,959 | £1,164 | £5,123 |
| 20 | £7,918 | £5,642 | £13,560 |
| 30 | £11,876 | £15,580 | £27,456 |
Ways to cut the bill further
- Switching to an annual plan instead of monthly often saves 15 to 20% on streaming, software and gym subscriptions, check the provider's annual price before you cancel.
- Rotate streaming services one at a time, subscribe for a month, binge what you want, then cancel and move to the next one instead of paying for several at once.
- Set a calendar reminder a few days before each free trial or annual renewal ends, so you never get charged for something you meant to cancel.
- It's often worth calling your broadband or TV provider (e.g. Sky, Virgin Media) at renewal time and asking for a better deal, loyalty rarely gets you the best price automatically.
Why a subscription audit is worth doing
Small recurring payments are easy to lose track of because they never show up as one big bill, they're spread across dozens of small monthly charges instead. Listing every subscription in one place and being honest about which ones you actually use is usually the fastest way to find real, ongoing savings without changing your lifestyle. This calculator totals what you're currently paying, works out the annual saving from anything you mark to cancel, and shows what that saving could grow to if you invested it instead of just letting it disappear back into everyday spending.
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