Use the current monthly total or monthly equivalents for shorter billing cycles.
Privacy-first audit
Manual subscription audit
Add known monthly and annual recurring costs to reveal yearly spend—without connecting a bank account.
No accountNo bank link
Known annual recurring spend$1,260
37%
- $420 yearly review opportunity
- No bank connection or transaction import required
Direct answer
What this tool calculates—and what it does not.
The manual audit annualizes known monthly subscriptions and adds known annual renewals without requesting bank access. It also separates the portion of monthly spending marked for review so the next action is clear.
Transparent methodology
How the calculation works
Monthly subscriptions are multiplied by 12 and combined with annual renewals. The questionable monthly amount is annualized separately as a review opportunity rather than assumed savings.
Formula or decision ruleKnown annual recurring spend = monthly subscriptions × 12 + annual renewals.
Inputs explained
Mark services that are unused, duplicated, too expensive, or due for a decision.
Add annual charges separately so they are not lost in the monthly list.
Practical use
When this tool is useful
- People who prefer not to connect financial accounts.
- A quarterly or annual recurring-spend review.
- Creating a clean list before adding reminders to an app.
A reliable way to use it
- 01Search every billing source
Review payment accounts, app stores, wallets, email receipts, and shared family plans.
- 02Normalize the cadence
Keep monthly and annual charges visible rather than rounding everything into one vague estimate.
- 03Assign one decision
Mark each service keep, cancel, pause, downgrade, or investigate.
- 04Set the next review
Repeat the audit before major annual renewals or at a consistent quarterly interval.
Interpretation
How to read the result
- Treat the annual total as visibility, not a recommendation to cancel everything.
- Prioritize upcoming renewals and high-value review candidates.
- Record the billing owner and payment method so shared or work expenses are not canceled accidentally.
Boundaries
What the result cannot tell you
- The result is only as complete as the manually entered list.
- It does not detect price changes, trials, or hidden merchant names.
- Questionable spend is a review queue, not guaranteed savings.
Common questions
Common questions about Manual subscription audit
Can I audit subscriptions without linking a bank account?
Yes. Use statements, app-store subscription lists, email receipts, and service account pages to build the list manually.
How many months of statements should I review?
Review enough history to catch quarterly and annual billing. A full year is most complete, but begin with recent months and known annual-renewal sources.
How should annual subscriptions be compared with monthly ones?
Keep the actual annual renewal visible and also calculate a monthly equivalent when comparing value. Do not lose the real renewal date.
What if I do not recognize a merchant name?
Search the exact statement descriptor, check email and purchase history, and contact the payment provider when necessary. Avoid disputing or canceling an essential service without verifying it.
How often should I repeat a subscription audit?
Quarterly works for many people, with an additional review before known annual-renewal periods, moves, graduation, or a major budget change.
Optional next step
Follow app updates When you want renewals watched in one place
SaveOnSubs is the optional iOS companion for tracking renewal dates, forgotten subscriptions, and confirmed cancellations.