Subscription Auditor

Add recurring charges and compare their annual cost with your take-home hourly pay.

How to Use

Replace the sample entries

Remove the fictional example charges and add amounts from your own bills. Do not enter passwords or payment-card details.

Choose monthly or yearly billing

For quarterly bills, enter the amount divided by three as a clearly labeled monthly equivalent.

Enter take-home hourly pay

Use your hourly income after deductions. The tool does not estimate taxes.

Compare cost and usage

Review annual totals and work hours, then remove a row to compare a possible saving.

Use actual bills, not advertised starting prices

Add each charge with its monthly or yearly billing cycle. A service billed 120 per year counts as 10 per month on average; it still has an annual payment date. Use one currency for all charges and your hourly wage.

Worked example

A 15-per-month charge plus a 120-per-year charge costs 300 per year and 25 per month on average. At take-home pay of 25 per hour, those charges represent 12 work hours per year. The calculator does not deduct another tax percentage.

Review usage and provider terms before canceling. Removing a row estimates the cost avoided, without modeling refunds, penalties, or replacement services.

Real-World Examples & Use Cases

Compare a cancellation

Remove a service you no longer use and compare the annual total before and after. Verify cancellation terms directly with the provider.

Plan for annual bills

Use the monthly equivalent to set aside funds, while keeping the provider’s actual annual payment date in your own budget.

How It Works

Monthly charge: annual cost = amount × 12 Yearly charge: annual cost = amount Total monthly equivalent = total annual cost / 12 Annual work hours = total annual cost / take-home hourly wage Monthly work hours = monthly equivalent / take-home hourly wage Example: (15 × 12) + 120 = 300 per year; 300 / 25 = 12 hours per year. A missing or non-positive wage leaves work hours unavailable.

Frequently Asked Questions

Should I enter gross or take-home pay?▼

Take-home pay, after deductions. The tool divides costs by this amount directly and does not estimate a tax percentage.

Does this connect to my bank?▼

No. Enter the charges manually. The tool does not detect forgotten subscriptions or cancel a provider’s service.

Are my entries saved?▼

No. Subscription entries exist in the current page session and reset on reload. Keep a separate record if you need a lasting budget.

What if I do not know my hourly pay?▼

You can still compare yearly and monthly costs. Work hours require a positive take-home hourly wage.

Limits and assumptions

Supports monthly and yearly billing; other billing cycles require a manual equivalent.
Does not include provider price changes, refunds, cancellation fees, or bank integrations.
Currency symbols do not convert amounts. Entries reset on reload.

Worked guides

Audit subscriptions using take-home pay and actual bills

Documentation updated on 2026-10-04. How we review tools

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