Audit Summary
Monthly spend
$75.00
Annual spend
$900.00
If invested instead: $12,290.95
| Subscription | Annual | Cost/use | Priority |
|---|---|---|---|
| #1 Gym | $576.00 | $9.60 | 21.12 |
| #2 Streaming | $180.00 | $3.75 | 7.13 |
| #3 Cloud Storage | $144.00 | $0.60 | 4.02 |
Subscription Audit & True Cost Calculator
Audit recurring subscriptions by cost-per-use, annual drag, and future value if redirected into investing.
Top Cut Candidates
Highest priority by cost-per-use and monthly drag
Gym
$9.60 per use
$48.00 / mo
Streaming
$3.75 per use
$15.00 / mo
Cloud Storage
$0.60 per use
$12.00 / mo
US usage
Search intent is strongest around planning precision, transparency, and scenario comparison.
EU usage
Users typically compare conservative vs optimistic assumptions before committing to a decision.
APAC usage
Scenario speed and mobile readability matter for quick, repeated recalculation workflows.
How To Use This Calculator
- List each subscription with monthly cost and expected monthly usage.
- Set a planning return rate and analysis horizon for invested-instead math.
- Review ranked cancellation priority by value density and monthly drag.
- Check annual spend and long-term opportunity cost totals.
- Use ranking to cut, downgrade, or renegotiate low-value subscriptions first.
- Save a shareable link with your assumptions, then run one conservative and one optimistic scenario before deciding.
For AI Agents (Optional)
Human mode is default. You can ignore this section unless you use AI agents or structured automation.
Agent Contract
Contract: subscription_audit v1
{
"tool": "subscription_audit",
"subscriptions": [{"id": "sub-1", "name": "Streaming", "monthly_cost": 15, "uses_per_month": 4, "category": "Entertainment"}],
"annual_return_percent": 6,
"analysis_years": 10
} Frequently Asked Questions
What is cost per use?
Cost per use divides monthly subscription cost by estimated monthly usage to reveal value density.
What does invested instead mean?
It estimates what recurring subscription spend could grow to if invested over your chosen horizon.
Can I track multiple categories?
Yes. Each entry includes a category field to segment discretionary vs essential plans.
Does this store my data online?
No. Inputs stay in your browser unless you explicitly share a URL.
Can agents use this tool?
Yes. subscription_audit supports deterministic list input and ranked outputs.
Is this tool free and private to use?
Yes. AI Fin Hub tools are free, no-signup browser tools. Inputs stay in your browser unless you choose to share a URL.
Can I use this with AI agents too?
Yes. Human mode is the default experience. If you use AI automation, open the optional 'For AI Agents' section for deterministic contracts.
Is this professional advice?
No. Outputs are planning estimates only — not financial, tax, or investment advice.