Track all your recurring subscriptions across multiple currencies. Analyze monthly and yearly totals, see upcoming charges, identify spending patterns by category, and export detailed reports. Get strategies to cut waste and optimize your budget.
Budget Management Tool
This tracker normalizes subscriptions to monthly equivalents for easy comparison. Totals reflect your selected analysis horizon (3/6/12 months) and include taxes/fees when specified. For multi-currency tracking, we convert to your base currency using current rates.
Add your subscriptions to see monthly spend analysis, upcoming charges, and spending trends.
Recurring subscriptions operate on different billing cycles—monthly, annual, quarterly, or weekly—making it difficult to compare their true cost at a glance. This tracker normalizes all charges to a Monthly Equivalent by dividing annual subscriptions by 12, multiplying weekly by 52/12 (~4.33), and converting quarterly to monthly. This reveals your actual monthly budget impact and makes it easy to spot which services cost the most.
Subscription prices rarely reflect the final charge. App store taxes (Apple/Google add sales tax or VAT on top of the base price), foreign transaction fees (2-3% when your credit card processes charges in another currency), and service fees (some platforms add processing or convenience fees) can inflate your monthly spend by 5-15%. When you upgrade or downgrade mid-cycle, providers may prorate your bill—crediting unused time on the old plan and charging for remaining days on the new plan. This tracker lets you add tax % and fees per subscription to capture the full cost accurately.
Most subscriptions auto-renew by default, charging your card without warning. While convenient, this enables price creep—providers quietly raise rates by $1-$5 per month, or $10-$20 annually, betting you won't notice. Over time, a $9.99/month service becomes $14.99, a 50% increase. Prepaid subscriptions (like annual plans paid upfront) lock in today's rate but commit you for a full year; if you cancel mid-year, many providers don't refund unused months. Free trials auto-convert to paid unless you cancel—this is how "free" services generate revenue. Set reminders 3-5 days before trial expiry to avoid unwanted charges.
If you subscribe to services billed in foreign currencies (e.g., UK-based VPN billing in GBP, Australian software in AUD), your final cost fluctuates with exchange rates. A £9.99 subscription might cost $12.50 one month and $13.20 the next if the dollar weakens against the pound. Credit card companies typically charge a 2-3% foreign transaction fee on top of the mid-market rate, adding another hidden cost. This tracker converts all charges to your base currency using current rates, so you see totals in one currency—but remember that FX volatility means next month's bill might differ slightly.
Your billing date is when your card is charged; your renewal date is when your subscription period resets. These sometimes differ by a day or two due to processing delays. More importantly, most providers require you to cancel before the renewal date—canceling on or after means you're billed for another cycle. Some services (like annual plans) have cancellation windows: you must cancel 30+ days before renewal, or you're automatically locked in for another year. This tracker helps you visualize upcoming charges and set reminders to cancel or renegotiate before renewal deadlines.
This tracker is designed to give you a complete picture of your recurring expenses with minimal effort. Follow these steps to analyze your subscription spend and identify savings opportunities:
Pro Tip: Start by adding your 5-10 largest subscriptions first (streaming, software, cloud storage, gym). These typically account for 60-80% of recurring spend. Then add smaller ones (news sites, apps, domains) to capture the full picture. Don't forget annual services—they're easy to overlook because they don't show up in monthly bank statements.
Annual subscriptions are typically 10-30% cheaper than paying monthly (e.g., $119/year vs. $14.99/month = $179.88 saved). However, this only makes sense if you'll actually use the service for 12 months. If you cancel mid-year, you lose the unused portion—most providers don't refund. Review your annual subscriptions: if you haven't used it in 3+ months, don't renew. For services you use daily (productivity tools, cloud storage, VPNs), annual is almost always cheaper. For seasonal services (sports streaming, summer fitness apps), stick to monthly and cancel off-season.
The average household subscribes to 4-5 streaming services (Netflix, Hulu, Disney+, HBO Max, Apple TV+) at ~$15/month each = $60-$75/month. Most people watch one platform at a time while binge-watching a show, then switch. Instead of keeping all active year-round, rotate monthly: subscribe to Netflix in January (watch everything new), cancel, subscribe to HBO Max in February, and so on. This cuts streaming spend by 60-80% while still giving you access to everything—just not simultaneously. Download or finish shows before canceling to avoid losing access mid-series.
Many services offer family or group plans that cost 40-70% less per person. Examples: Spotify Family ($16.99/month for 6 accounts vs. $10.99 each = $48.95 saved), YouTube Premium Family ($22.99 for 5 vs. $13.99 each = $46.96 saved), Apple One Family ($25.95 for 5 sharing Music, TV+, iCloud+ vs. individual plans = $30+ saved). Form groups with friends, roommates, or family members to split costs. Use password managers to share credentials securely. Note: some services restrict account sharing to the same household or location—check terms before sharing.
Free trials auto-convert to paid subscriptions unless you cancel before the trial ends. Providers count on you forgetting—research shows 40-60% of trial users forget to cancel and pay for at least one unwanted month. Immediately after signing up for a trial, set a calendar reminder for 2-3 days before expiry. Use the trial, decide if it's worth paying for, and cancel if not. If you do want to keep it, let it convert—you can always resubscribe later if you change your mind (some providers even offer "win-back" discounts to returning customers).
Many subscription services offer discounts if you threaten to cancel. Call customer service or use live chat, say you're considering canceling due to cost, and ask if they have any promotions or retention offers. Common discounts: 20-50% off for 3-6 months, free months added, or upgraded plans at the same price. This works especially well for cable/internet, SiriusXM, meal kits, and B2B software. Also check for student, educator, military, senior, or low-income discounts—many services offer 30-50% off but don't advertise it prominently. Examples: Spotify Student ($5.99 vs. $10.99), Amazon Prime Student ($7.49 vs. $14.99), Adobe Creative Cloud Student (60% off).
It's common to have overlapping services without realizing it. Examples: subscribing to both Dropbox and Google One (both cloud storage), both Hulu and Sling TV (both live TV), or multiple VPNs, password managers, or music services. Audit your subscriptions by category and consolidate. Keep the one with the best price/feature ratio and cancel the rest. For cloud storage, check if your existing subscriptions already include it—Microsoft 365 includes 1TB OneDrive, Amazon Prime includes unlimited photo storage, Google One bundles with other Google services.
Some credit cards, mobile carriers, and internet providers include free or discounted subscriptions as perks. Examples: T-Mobile Magenta includes Netflix Basic ($10/month value), Verizon Unlimited includes Disney+ or Apple Music, Amazon Prime membership includes Prime Video and Music, Chase Sapphire Reserve includes $300 travel credit that can cover Lyft Pink or DoorDash DashPass. Check your credit card benefits and carrier plan perks—you might already be paying for subscriptions that are included. Conversely, if you're paying for a service your carrier offers free, switch to the included version and cancel your direct subscription.
If you're self-employed, freelance, or run a business, many subscriptions are tax-deductible business expenses. Examples: Adobe Creative Cloud for designers, Microsoft 365 for consultants, Zoom Pro for remote workers, LinkedIn Premium for sales professionals, cloud storage for client files, project management tools (Asana, Trello), and industry publications. In the US, self-employed individuals can deduct these from their Schedule C, reducing taxable income by the full amount. Use this tracker to separate personal vs. business subscriptions, then export a CSV of business-only subscriptions to provide to your accountant at tax time. Consult a tax professional to ensure you're claiming allowable deductions correctly.
Some services let you pause your subscription for 1-3 months instead of canceling outright. Examples: Audible, meal kit services (HelloFresh, Blue Apron), and some fitness apps. Pausing keeps your account, preferences, and history intact while stopping charges temporarily. Use this for seasonal needs—pause your meal kit over the holidays when you're traveling, pause fitness apps during injury recovery, pause audiobook subscriptions when your reading backlog is full. This is safer than canceling and resubscribing (which sometimes loses your data or requires paying a signup fee again).
Subscription tracking isn't just about adding up numbers—it's about making strategic financial decisions that save thousands annually. Here are detailed scenarios showing how real people use this tracker to optimize their budgets:
Common thread across these scenarios: tracking subscriptions isn't about deprivation—it's about intentionality. Every $10/month subscription costs $120/year, $1,200 over 10 years. Cutting 5 unnecessary subscriptions ($50/month) frees $600/year for goals that matter: travel, debt payoff, emergency savings, or guilt-free discretionary spending. Use this tracker quarterly to audit subscriptions, catch price increases, and reallocate funds to higher-value uses.
Even financially savvy people make subscription errors that drain thousands annually. Recognizing these pitfalls helps you maintain control over recurring expenses:
The pattern: subscription mistakes stem from inattention, inertia, and assumption. Combat this by reviewing your tracker monthly (5-minute review), setting reminders for trials and renewals, and questioning every subscription quarterly ("Am I still getting $X/month of value from this?"). Small mistakes ($10-$20/month each) compound to $1,000-$3,000/year in waste. Vigilance saves significantly.
Monthly Total is the sum of all subscriptions normalized to a monthly basis. Annual subscriptions are divided by 12 (a $120/year service shows as $10/month), weekly subscriptions are multiplied by 52/12 (~4.33 weeks per month), and quarterly subscriptions are divided by 3. This makes it easy to see your true recurring monthly expense. Yearly Total is simply Monthly Total Ă— 12, projecting your annual spend if all subscriptions continue at current rates. Note: these totals include taxes and fees if you specified them per subscription.
The line chart displays your normalized monthly spend over your selected horizon (3, 6, or 12 months). The line is smoothed to show the average monthly cost, but you'll see spikes in months where multiple annual subscriptions renew simultaneously. For example, if your domain registration ($15/year), VPN ($60/year), and Adobe subscription ($240/year) all renew in March, that month shows a spike of $315 even though your average monthly cost is only $26.25. Use this chart to identify heavy renewal months and consider staggering renewal dates by contacting providers to change billing dates, reducing cash flow strain.
This chart breaks down your total spend by category (Streaming, Productivity, Cloud Storage, Utilities, Fitness, News, etc.), showing both percentage share and dollar amount for each. Click a legend item to isolate that category and see its trend over time. Common patterns: Streaming often accounts for 30-50% of total spend (Netflix, Hulu, Disney+, HBO Max, Spotify), Productivity includes Microsoft 365, Adobe, Notion, etc., and Cloud Storage covers Dropbox, Google One, iCloud+. If one category dominates (e.g., 60% on streaming), consider cutting back—rotate services, share accounts, or downgrade plans.
This section lists all charges scheduled for the next 30, 60, or 90 days (depending on your horizon setting), grouped by date. Each day shows which subscriptions renew and the total charge for that day. Subscriptions in multiple currencies are converted to your base currency using current exchange rates. Use this calendar to:
The table lists each subscription with key details: Name, Category, Billing Cycle (weekly/monthly/quarterly/annual), Amount (base price + taxes/fees), Monthly Equivalent (normalized monthly cost), Next Charge Date, Auto-Renew Status (on/off), and Currency. Sort by Monthly Equivalent descending to see your most expensive services at the top—these are prime candidates for cancellation or downgrade. Click a row to edit details (useful if a provider raises prices or you change plans) or delete if you've canceled the subscription.
CSV Export generates a spreadsheet with columns: Name, Category, Billing Cycle, Amount, Currency, Tax %, Fees, Monthly Equivalent, Next Charge Date, Auto-Renew. The footer includes totals in your base currency and notes on FX conversion rates used. Import this into Excel, Google Sheets, Mint, YNAB, or other budgeting tools for further analysis or tracking over time.
PDF Export creates a printable report with your subscription list, charts (Monthly Spend Trend, Spend by Category), and summary totals. The footer includes currency conversion details and tax/fee breakdowns. This format is ideal for reviewing with a partner, sharing with a financial advisor, or keeping as a record for tax purposes (if you're deducting business subscriptions).
If you have subscriptions billed in foreign currencies (e.g., UK-based software in GBP, Australian service in AUD), the tracker converts each charge to your base currency using current mid-market exchange rates. Totals and charts display everything in your base currency for easy comparison. However, FX rates fluctuate daily—a charge that costs $10 today might cost $10.20 next month if your currency weakens. The tracker uses the rate at the time of analysis; for long-term projections (6-12 months), actual charges may differ by 1-5% due to FX volatility. Credit card foreign transaction fees (typically 2-3%) are not included unless you manually add them as a fixed fee per subscription.
If you upgrade or downgrade a subscription mid-cycle, many providers prorate your bill—crediting unused time on the old plan and charging for the remaining days on the new plan. For example, upgrading from a $10/month plan to a $20/month plan on day 15 of a 30-day cycle results in a $5 credit (15 days unused at $10) and a $10 charge (15 days at $20), for a net $5 additional charge. This tracker forecasts assume full billing cycles (no proration) unless you manually edit the next charge amount or date to reflect the prorated adjustment. For maximum accuracy after plan changes, update the tracker with the actual next charge amount from your provider's billing page.
Most users are surprised by how much they spend on subscriptions—totals are typically 30-50% higher than mental estimates. Common reasons:
If your total seems too high, audit each subscription individually. Cancel anything you haven't used in 2-3 months, downgrade overspecced plans (e.g., 2TB cloud storage when you use 200GB), and eliminate duplicates. Even cutting 2-3 subscriptions saves $200-$500/year—money that can go toward debt payoff, emergency savings, or discretionary spending.
Determine your 3-6 month emergency fund target and free up cash by cutting unnecessary subscriptions.
Calculate net income after taxes to understand how much you can allocate to recurring expenses.
Redirect savings from canceled subscriptions toward paying down high-interest credit card debt.
Compare living costs between cities and adjust your recurring budget for relocation planning.
Convert foreign-currency subscriptions to your base currency with live exchange rates and historical charts.
Track all monthly expenses with category breakdowns and savings goals to optimize your overall budget.