Subscription cost tracker
Fast, privacy-first online Subscription cost tracker tool. 100% in-browser client-side execution with zero signups and zero data tracking.
Active Recurring Subscriptions
Spending by Category
Normalized Cost Table
| Service | Category | Billed | Monthly Equivalent | Yearly Total |
|---|---|---|---|---|
| Video Streaming (Netflix) | Entertainment | £15.99 / mo | £15.99 | £191.88 |
| Music Streaming (Spotify) | Entertainment | £10.99 / mo | £10.99 | £131.88 |
| Gym & Health Club | Fitness | £35.00 / mo | £35.00 | £420.00 |
| Cloud Storage & Backup | Software | £79.99 / yr | £6.67 | £79.99 |
About this tool
How to use it
- Select your preferred currency symbol (£ GBP, $ USD, € EUR, A$ AUD, C$ CAD).
- Review the default subscription items or click '+ Add Service' to insert new recurring bills.
- For each item, enter the service name (e.g. Netflix, Gym, Cloud, VPN), charge amount, billing frequency (Monthly, Annual, Weekly, Quarterly), and category.
- Click 'Calculate Subscription Spend' to normalize all recurring charges into unified monthly, daily, and annual cost metrics.
- Inspect the category breakdown progress bars to identify disproportionate spending and copy the audit summary for your budget review.
Why it matters
Subscription creep is one of the most pervasive drivers of personal financial leakage in modern households. Because digital services bill across disparate cadences—some £12 weekly, some £14.99 monthly, others £89 annually—consumers vastly underestimate their cumulative recurring obligations. Normalizing every service into an annualized ledger illuminates 'phantom spend' and highlights redundant streaming platforms or dormant software licenses that can be cancelled immediately.
When to use it
Conduct a subscription audit at the start of every quarter, during annual budget reviews, when switching banking providers, or immediately following promotional trial periods to prevent unwanted auto-renewals.
Good to know
Annual subscriptions are amortized over 12 months (Cost / 12), and weekly subscriptions use the standard financial factor of 52 weeks / 12 months (~4.333x weekly fee) to compute exact calendar monthly figures.
Common questions
How does the tool convert annual or weekly subscriptions to monthly costs?
Annual fees are divided by 12. Weekly subscriptions are multiplied by 52 and divided by 12 (approx. 4.333 weeks per month). Quarterly subscriptions are divided by 3.
What is the average person's subscription spend?
Industry studies in the UK and US show the average consumer underestimates their monthly subscription outlay by over 100%, believing they spend roughly £60 / $80 monthly when actual recurring deductions average £150–£220 ($200–$280).
Is my financial subscription data stored or shared?
No. All calculations run strictly in your web browser memory. Zero financial figures, service names, or subscription logs are ever sent to any remote server.
Can I export my subscription audit to share or keep as a record?
Yes. Click 'Copy Audit Summary' to copy a formatted text breakdown of your monthly, daily, and yearly totals and individual service fees to your clipboard.
What categories should I watch most closely for waste?
Entertainment (multiple competing video/music streaming services), Cloud Storage (duplicate iCloud, Google One, and Dropbox plans), and dormant Fitness memberships represent the three most common sources of unneeded duplicate expenditure.