Add recurring monthly equivalents across cards, app stores, and direct billing.
Free savings calculator
Subscription savings calculator
Estimate how much unused and forgotten subscriptions may be costing each year.
No accountNo bank link
Potential annual savings$420
37%
- $95 total monthly subscriptions
- $60 retained monthly spend
Direct answer
What this tool calculates—and what it does not.
The subscription savings calculator multiplies monthly unused or low-value recurring spend by 12. It shows the annual opportunity if those charges are fully removed, but actual savings depend on cancellation timing, annual commitments, refunds, taxes, and replacement services.
Transparent methodology
How the calculation works
The tool separates total known monthly subscription spend from the portion marked for review, then annualizes the review amount and shows the monthly spend that would remain.
Formula or decision rulePotential annual savings = monthly unused or low-value amount × 12.
Inputs explained
Include only charges you are realistically considering canceling, pausing, or downgrading.
Practical use
When this tool is useful
- Turning a monthly review list into an annual savings number.
- Prioritizing the first cancellations or downgrades.
- Auditing subscriptions manually without connecting a bank account.
A reliable way to use it
- 01Build the complete list
Check cards, bank statements, app stores, email receipts, and annual renewals.
- 02Mark the real candidates
Separate unused, duplicative, overpriced, and essential services.
- 03Check the contract
Confirm renewal date, cancellation path, commitment, and refund terms.
- 04Keep proof and verify
Save the confirmation and check that the next expected charge does not appear.
Interpretation
How to read the result
- Check the next billing date and commitment before counting savings.
- Save cancellation confirmations and watch the following statement.
- Consider downgrade, pause, family-plan, or student-plan options when the service is still useful.
Boundaries
What the result cannot tell you
- It assumes the full monthly amount stops for 12 months.
- It does not model cancellation fees, refunds, taxes, or price changes.
- It cannot find subscriptions automatically or cancel them.
Common questions
Common questions about Subscription savings calculator
How do I find forgotten subscriptions?
Review several months of card and bank statements, Apple and Google subscriptions, PayPal or wallet billing, email receipts, and annual renewals. Search for recurring merchant names and trial confirmations.
Does deleting an app cancel its subscription?
Usually not. Cancel through the service or the app-store subscription settings and keep the confirmation.
When do subscription savings begin?
Savings usually begin when future billing stops. Access may continue through the paid period, and annual commitments or notice requirements can delay the effective date.
Should I cancel or downgrade?
Cancel when the service no longer provides enough value. Downgrade or pause when the core service remains useful and the provider offers a genuinely lower-cost option.
What proof should I keep after canceling?
Keep the confirmation email or screenshot, cancellation date, effective date, account identifier, and any case or reference number. Review the next statement.
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.