Skip to main content
/
subscriptionsbudgetingopportunity costcancel subscriptionsspending auditpersonal finance
//// Financial · Spending Audit

Subscription Audit Calculator

Your subscriptions cost more than you think. Find the dead weight, see the opportunity cost, and know exactly what to cancel first.

Where this fits

💸 Budgeting & Cash FlowCash FlowHouseholds

This tool lives inside Cash Flow and is most useful for households.

401(k) Limit 2024$23,000
Roth IRA Limit$7,000
S&P 500 Avg Return~10%/yr

Your subscriptions cost $280/month. Invested over 20 years at 7%: $102,623. That's what the dead weight costs.

Your Subscriptions

$/mo
$/mo
UNUSED
$/mo
UNUSED
$/mo
$/mo
UNUSED
$/mo
UNUSED
$/mo
UNUSED
$/mo

Summary

Total monthly

$280

across all subs

Annual cost

$3,360

per year

Dead weight (unused)

$197/mo

5 unused subs

Opportunity cost 20yr

$102,623

at 7% annual return

Opportunity Cost

If you cancelled unused subscriptions and invested the $197/month at 7% annual return…

10-Year Value

$34,098

20-Year Value

$102,623

30-Year Value

$240,334

Cancel These First

1
Hello FreshUNUSED

saves $960/yr if cancelled

$80/mo
2
Gym membershipUNUSED

saves $540/yr if cancelled

$45/mo
3
LinkedIn PremiumUNUSED

saves $480/yr if cancelled

$40/mo
4
HuluUNUSED

saves $216/yr if cancelled

$18/mo
5
Disney+UNUSED

saves $168/yr if cancelled

$14/mo

By Category

Streaming$60/mo
Software$95/mo
Fitness$45/mo
Food & Meal Kits$80/mo
1

Total monthly subscriptions

totalMonthly = sum of all subscription costs

= $280/month

2

Annual cost

totalAnnual = totalMonthly × 12

$280 × 12

= $3,360/year

3

Unused monthly (dead weight)

unusedMonthly = sum of costs where usedRegularly = false

= $197/month

5 unused subscriptions

4

10-year opportunity cost

FV = PMT × ((1+r)^n − 1) / r

PMT=$197/mo, r=0.07/12, n=120

= $34,098

7% annual return, monthly compounding

5

20-year opportunity cost

FV = PMT × ((1+r)^n − 1) / r

PMT=$197/mo, r=0.07/12, n=240

= $102,623

6

30-year opportunity cost

FV = PMT × ((1+r)^n − 1) / r

PMT=$197/mo, r=0.07/12, n=360

= $240,334

Key insight

The FV annuity formula shows the future value of investing a fixed amount monthly at a constant rate. Even modest dead-weight subscriptions compound into significant sums over 20–30 years.

#ShowYourWork

You might also need

50/30/20 Budget Calculator

Build a 50/30/20 budget from your income and see exactly where every dollar should go

Try it

Business Burn Rate & Runway Calculator

How long can your business survive on current cash? Enter your cash balance, monthly revenue, and expenses to see monthly burn rate, runway in months, break-even revenue, and scenario analysis for a 25% or 50% revenue drop.

Try it

Personal Inflation Calculator

Calculate your personal inflation rate based on your actual spending mix — housing, groceries, healthcare, and more. See how your cost-of-living increase compares to the official CPI and the salary raise you need just to break even.

Try it