Subscription Audit Tool
The honest list of every recurring auto-debit on your card. Most people miss 2-4 small ones. See the annual bill, see the 10-year cost, see what you actually use.
Inputs
Add every subscription that auto-debits from your card or UPI. Be honest about how often you actually use it.
Your result
You're spending ₹2,131 a month on 5 subscriptions. That's ₹25,575 a year. Of this, ₹18,000 is on stuff you barely use — pure waste.
- Monthly bill
- ₹2,131
- Annual bill
- ₹25,575
- 10-year cost
- ₹2.56 lakh
- Wasted (rarely or never used)
- ₹18,000
If you killed all of them and invested instead at 12% for 10 years
₹4.95 lakh
You probably don't need to kill all of them — but the ones marked rarely/never are free money sitting on the floor.
Why the bill is always bigger than you think
We sign up for ₹99-299/month subscriptions casually because each one feels small. Then five years later your "monthly subscriptions" are pulling ₹4,000-7,000 a month. Auto-debit makes you stop noticing. This calculator's job is to turn them visible again.
The honest cost of "free trials"
Most "first month free" offers count on you forgetting to cancel. Set a calendar reminder 2 days before the trial ends — every time, without exception. Your future self will thank you.
What to cut first, what to keep
- Cut first: services you signed up to try and never opened again. Streaming you watched once. Gym apps you used three times in January.
- Keep: anything that actually saves you time or makes you money. A premium news source you read daily. A productivity app that pays for itself.
- Consider downgrading: streaming services to the cheaper tier with ads. Cloud storage to family-shared plans. Newspapers to monthly instead of annual.