Subscription Audit
List all your subscriptions, mark which to cut, and see how much you'd save — and what that money could earn if invested.
The average American pays for 12 subscriptions but can only name 7. Those forgotten $9.99/month charges add up to thousands over the years — and tens of thousands in lost investment returns. This interactive audit lets you list every subscription, mark which ones to cut, and instantly see the monthly savings, annual savings, and 10-year investment value of the money you redirect.
Cutting 2 subscriptions saves $180/year. Invested at 7%, that grows to $2,610 in 10 years.
Your subscriptions (tap to mark for cutting)
Netflix
$15.49/mo ($15.49/mo)
Spotify
$10.99/mo ($10.99/mo)
Gym
$50/mo ($50.00/mo)
Cloud storage
$9.99/mo ($9.99/mo)
Magazine
$60/yr ($5.00/mo)
Audit results
Current monthly
$91
After cutting
$76
Annual savings
$180
10yr if invested
$2,610
How to use this calculator
Investment return rate — What you could earn by investing the savings. S&P 500 historical real return: ~7%.
Your subscriptions — Click each subscription to toggle between 'Keep' and 'Cut'. Be honest — if you haven't used it in the last 30 days, cut it.
Real-world examples
Cutting 3 unused subscriptions ($30/month)
$30/month = $360/year. Invested at 7% for 10 years: ~$5,200. That's $5,200 from three subscriptions you barely used.
Full audit: cutting $80/month
$80/month = $960/year. Invested at 7% for 10 years: ~$13,900. Over 30 years: ~$97,000. The subscriptions you cut today could fund a year of retirement.
Downgrading instead of cutting
Can't cut Netflix? Downgrade from Premium ($22.99) to Standard ($15.49). That $7.50/month savings = $90/year, invested at 7% for 10 years = ~$1,300. Small downgrades compound too.
Formula & Methodology
Future value of monthly savings
- PMT = Monthly savings from cut subscriptions
- r = Annual investment return (decimal)
- t = Time in years (10)
Assumptions & limitations
- Investment returns are assumed constant. Real markets fluctuate significantly.
- Taxes on investment gains are not included.
- Subscription prices are assumed constant. Most services raise prices 5–10% per year.
Frequently asked questions
How do I find all my subscriptions?
Check your bank and credit card statements for recurring charges. Apps like Rocket Money can also auto-detect subscriptions.
What if I'm not sure whether to cut one?
Ask: have I used this in the last 30 days? If not, cut it. You can always resubscribe later. Most people never notice the ones they cut.
Should I cut entertainment subscriptions?
Only the ones you don't actively use. If you watch Netflix daily, keep it. If you have 4 streaming services but only watch 2, cut the other 2. The goal is intentional spending, not deprivation.
What about annual subscriptions?
They're converted to monthly equivalents for comparison. Annual plans often save 15–20% vs monthly billing, so consider switching to annual for the ones you keep.