Subscription Tracker
The average person spends over $200 per month on subscriptions without realizing it. This free subscription tracker helps you catalog every recurring charge, see your true monthly and annual cost, identify subscriptions worth canceling, and simulate how much you could save. Add your services below to get a complete picture of your subscription spending. No signup required.
How to Audit Your Subscriptions
Add Your Subscriptions
Use the Add button or Quick Add panel to enter each recurring subscription. Include the service name, amount, billing frequency, and category. Quick Add lets you one-click add popular services like Netflix, Spotify, and Adobe Creative Cloud with pre-filled prices.
Review Your Cost Dashboard
See your true total subscription cost broken down by month, year, week, and day. The dashboard updates instantly as you add or remove subscriptions, giving you a clear picture of your recurring spending.
Rate Each Subscription
For each subscription, rate how often you use it and how essential it is. The tool calculates a Cancel Worthiness Score that identifies which subscriptions offer the best value and which ones you should consider dropping.
Simulate Cancellation Savings
Check the "Simulate cancel" box on subscriptions you are considering dropping. The savings simulator shows your projected monthly, annual, and 5-year savings in real time, plus how much those savings could grow if invested.
Export and Take Action
Export your subscription list as a CSV file for your records. Use the insights from the cancel worthiness analysis to make informed decisions about which services to keep, downgrade, or cancel entirely.
Understanding Subscription Spending
The Subscription Creep Problem
Subscription creep is the gradual, often unnoticed accumulation of recurring charges. A streaming service here, a cloud storage plan there, a fitness app trial that auto- renewed — individually, each charge seems small. But collectively, they can consume a significant portion of your income. Research shows that the average consumer underestimates their total subscription spending by 2 to 3 times. A $10 per month subscription costs $120 per year. Stack ten of those, and you are spending $1,200 annually on services you may not even use regularly.
How to Evaluate Whether a Subscription Is Worth It
A subscription earns its keep when you use it frequently and it provides clear value relative to its cost. Ask yourself three questions for each service: How often do I actually use it? Could I get the same value from a free alternative or a one-time purchase? What would I do with the money if I cancelled it? The Cancel Worthiness Score in this tool formalizes this evaluation by combining your self-reported usage frequency and essentiality rating into a single score that highlights which subscriptions deliver the most and least value per dollar.
The Opportunity Cost of Unused Subscriptions
Beyond the direct cost, unused subscriptions carry an opportunity cost. Every dollar spent on a service you rarely use is a dollar that could be invested, saved toward a goal, or used to pay down debt. If you cancelled just $50 per month in low-value subscriptions and invested that amount at a 7% average annual return, you would accumulate roughly $8,700 in 10 years and over $26,000 in 20 years. The savings simulator in this tool helps you visualize this opportunity cost so you can make informed decisions about where your recurring dollars are best spent.
Related Tools
Budget Planner
PlannersPlan your monthly budget using the 50/30/20 rule or custom categories. Visualize spending limits and stay on target.
Bill Splitter
UtilitiesSplit expenses evenly or by custom amounts, add tips, and share results with your group instantly.
Net Worth Calculator
CalculatorsAdd up your assets and liabilities to see your total net worth instantly. Understand where you stand financially.
Receipt Scanner
TrackersPhotograph or upload receipts to extract amounts, dates, and merchant info instantly using OCR technology.
Frequently Asked Questions
Disclaimer: This tool is provided for informational and educational purposes only. It does not constitute financial, tax, investment, or legal advice. Results are estimates based on the inputs you provide and may not reflect actual financial outcomes. Always consult a qualified financial professional before making financial decisions.