Subscription Audit Tool
Track all your recurring subscriptions (streaming, software, gym) and discover potential savings. Free subscription audit tool with category breakdown.
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Enable Smart Defaults
Get personalized default values based on your location, age, and income. All data is stored locally on your device.
- Auto-fill calculator fields with realistic values
- Region-specific tax rates and costs
- Age and income-appropriate suggestions
- Learn from your calculator usage
Privacy: No data is sent to our servers. Everything stays on your device.
Your Subscriptions
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Subscription Audit Tips
The Subscription Trap
Americans spend an average of $219/month on subscriptions, but many underestimate their total by 2-3x. Small recurring charges add up quickly.
The 60-Day Rule
If you haven't used a subscription in 60 days, you likely won't miss it. Cancel and you can always resubscribe later if needed.
Streaming Overlap
Most people only actively watch 2-3 streaming services. Rotate subscriptions monthly instead of keeping all active.
Annual vs Monthly
Annual subscriptions offer 15-20% savings but lock you in. Only pay annually for services you're certain you'll use all year.
Key Financial Terms
Understand the essential concepts behind this calculator
Discretionary Spending
Non-essential expenses that can be reduced or eliminated, such as entertainment, dining out, and luxury items.
Hidden Expenses
Small or automatic charges that slip under the radar but add up over time.
Subscription Economy
Business model based on recurring subscription revenue
Frequently Asked Questions
Common questions about the Subscription Audit Tool
💡 Emergency Fund Guidelines & Sources
Financial experts recommend saving 3-6 months of essential expenses as an emergency fund. Those with variable income or single-income households should aim for 6-12 months.
→ Source: Consumer Financial Protection Bureau (CFPB)
According to Federal Reserve data, 40% of Americans would struggle to cover a $400 emergency expense using cash or savings.
→ Source: Federal Reserve - Economic Well-Being of U.S. Households (2023 Report)
The median time to find new employment ranges from 8-20 weeks, varying by industry, location, and economic conditions.
→ Source: Bureau of Labor Statistics - Unemployed Persons by Duration
As of 2024-2025, high-yield savings accounts (HYSA) offer approximately 4.0-4.5% APY, significantly higher than traditional savings accounts (~0.01-0.5%).
→ Source: FDIC - National Rates and Rate Caps
Tip: Keep emergency funds in liquid, FDIC-insured savings accounts for easy access. Don't invest emergency funds in stocks or bonds.
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⚠️ Important Disclaimer
This Subscription Audit Tool provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.
The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.
This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA) for tax matters
- Licensed attorney for legal matters
- Registered Investment Advisor (RIA) for investment decisions
Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.
No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.