Subscription Renewal Risk Analyzer

Paste renewal emails and an AI model in your browser lists dates and prices and flags trials and unused services.

Private.

Not financial advice.

Last updatedHow we build & check our tools
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Interactive Tool

This tool runs in your browser and is loading now.

Enter your values once it appears to see your results.

How Subscription Renewal Risk Analyzer works

Press Load model once: your browser downloads Gemma 3 1B instruction-tuned (web build) (728 MB) from this site and keeps it in its cache. Then add your text and press Analyze locally. The model runs on this device using your graphics card, so nothing you enter is sent to a server. Until the model is loaded, or if your device cannot run it, the tool falls back to a simple keyword check and labels the result as the fallback.

Gemma 3 1B instruction-tuned (web build) is a small open language model from Google. The tool sends it the instruction below plus your text, asks for a JSON answer with fixed fields, and shows each field as a card. It runs at temperature 0, so the same input gives the same answer on the same device, though different graphics cards can word it slightly differently.

Inputs longer than 6,000 characters are cut to that length before they reach the model, and the result says so. The model only sees what you paste: it does not look anything up.

The instruction also carries one worked example: the built-in sample with the answer the larger Gemma 4 E2B model gave for it. That example is what lets this smaller model follow the answer format reliably.

The instruction the model gets

You read notes or emails about subscriptions and point out the renewals that need attention: ones renewing soon, free trials converting to paid, annual plans that charge a large amount at once, price increases, and services the note says are unused. For each, give the renewal date and price exactly as written. Do not add up the cost of the subscriptions or convert monthly to yearly prices. This is not financial, tax or legal advice, so do not tell the user what they should do with their money. Do not do any arithmetic: copy every amount, date and percentage exactly as written, and never compute totals, differences, gaps, averages or percentages.

What it returns

  • Renewals: One entry per subscription, written as 'service → renewal date as written, price as written: risk'.
  • Act on first: The subscriptions to review before they renew, soonest or riskiest first, with a few words on why.
  • Possibly unused: Subscriptions the text says are unused or rarely used.
  • What to check: Two or three things to confirm, such as the cancellation deadline or which card is charged.

Worked example

The model's output for the built-in sample, recorded on a desktop browser. Your run may word things slightly differently.

Renewal inbox note: Cloud storage renews on Aug 4 at $29.99/month after trial, gym app renews annually tomorrow at $119, kids coding app unused for 47 days but renews Friday.
Renewals
Cloud storage → Aug 4, $29.99/month: risk gym app → tomorrow, $119
Act on first
gym app → renews annually tomorrow, $119
Possibly unused
kids coding app unused for 47 days
What to check
Check the renewal date for Cloud storage Check the renewal date for gym app Check the renewal date for kids coding app

The model

The files are served from this site, versioned so a cached copy is never stale. Nothing is fetched from a third party while you use the tool.

You can switch models in the tool. Also available: Gemma 4 E2B instruction-tuned (web build) (2.0 GB). The larger language model gives more thorough answers but is a bigger download and needs a stronger device.

ModelDownloadRuns onLicence
Gemma 3 1B instruction-tuned (web build)700 MBGraphics card (WebGPU)Gemma Terms of Use
Gemma 4 E2B instruction-tuned (web build)2.0 GBGraphics card (WebGPU)Apache-2.0

Gemma is provided under and subject to the Gemma Terms of Use found at ai.google.dev/gemma/terms.

Limitations

  • Small language models make mistakes: they can miss an item, merge two, or state something more confidently than the text supports. Check the result against your input before you rely on it.
  • It needs WebGPU and about 4 GB of memory, so it is offered on desktops and laptops, not on phones and tablets. Devices that cannot run it get the keyword fallback, clearly labelled.
  • Results describe the input you gave, not the real-world situation behind it. Review them yourself before acting.
  • This is not financial, tax or legal advice. Confirm anything important against your own records and with a qualified professional.

Good uses

  • Sort a renewal inbox before an annual charge lands
  • Flag trial-to-paid step-ups hiding inside a receipt list
  • Separate "used weekly" from "dormant since March"
  • Prep a cancel/keep shortlist before a budget review
  • Keep card numbers and account memos out of a cloud service
  • Re-run the same triage each month with consistent labels
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Frequently Asked Questions

Common questions about the Subscription Renewal Risk Analyzer

No. The model files download from this site once, and then everything runs in your browser tab. The text you enter is never sent to a server, and closing the tab discards it.
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Sources & References

Federal Reserve Survey of Consumer Finances

The most authoritative source for U.S. household net worth data. Conducted every 3 years with ~6,000 families.

Average vs. Median Net Worth by Age (2022 Data)

• Under 35: Median $39,040 | Average $183,500
• 35-44: Median $135,600 | Average $549,600
• 45-54: Median $246,700 | Average $975,800
• 55-64: Median $364,270 | Average $1,566,900
• 65-74: Median $409,900 | Average $1,794,600
• 75+: Median $335,600 | Average $1,624,100

Why Average is Higher Than Median

Median represents the middle household (50th percentile). Average is skewed higher by ultra-wealthy households. Median is a better benchmark for typical American households.

Net Worth by Income Percentile (2022)

• Bottom 50%: Median $27,970 (2.6% of total wealth)
• 50-90th percentile: Median $379,700 (36.5% of total wealth)
• 90-99th percentile: Median $2,265,000 (36.6% of total wealth)
• Top 1%: Median $16,740,000 (24.3% of total wealth)

Components of Net Worth

Net worth = Total Assets - Total Liabilities

Assets include: Home equity, retirement accounts (401k, IRA), investment accounts, vehicles, cash/savings

Liabilities include: Mortgage, student loans, credit cards, auto loans, personal loans

Millionaire Statistics (U.S.)

• ~14.6 million millionaire households in U.S. (2024)
• Represents ~10.8% of all U.S. households
• Average age of first-time millionaire: 59 years old

Tip

Focus on your personal financial goals rather than comparisons. These benchmarks provide context, not targets. Your ideal net worth depends on your age, income, goals, and lifestyle.