Subscription Cost Audit Calculator
Subscriptions slip into your spending one at a time and are easy to lose track of, especially the ones that bill once a year. This calculator audits them all at once: list each service with its price and billing cycle, and it converts everything to a monthly equivalent, sums it, and shows your true monthly and yearly subscription spend. Tag each line with its cycle (w, m, q, or y) so weekly, quarterly, and annual plans are counted correctly alongside your monthly ones.
Subscription audit formula
Weekly to monthly: price * 52 / 12
Monthly: price
Quarterly to monthly: price / 3
Yearly to monthly: price / 12
Total monthly = sum of monthly equivalents; total yearly = total monthly * 12
Each line is converted to a monthly equivalent using exact period ratios (52 weeks and 12 months per year), then summed. The yearly total is the monthly total times 12.
Worked example
Five lines: 15.99 monthly; 120 yearly (= 10.00 a month); 9.99 monthly; 5 weekly (= 5 times 52 / 12 = 21.67 a month); 45 quarterly (= 15.00 a month). Monthly equivalents sum to 15.99 plus 10.00 plus 9.99 plus 21.67 plus 15.00 = 72.65. Yearly total = 72.65 times 12 = 871.80. Average per subscription = 72.65 / 5 = 14.53 a month.
Subscription cost audit: frequently asked questions
How do I audit my subscriptions?
List every recurring service with its price and how often it bills, then convert each to a common period. This calculator normalises weekly, monthly, quarterly, and yearly plans to a monthly figure, sums them, and shows your total monthly and yearly subscription spend so nothing hides in a once-a-year charge.
How do I convert an annual plan to monthly?
Divide the annual price by 12. A 120 US dollar yearly plan is 10 US dollars a month. Quarterly divides by 3, weekly multiplies by about 4.33 (52 weeks over 12 months). The calculator does these conversions for you based on the cycle you tag each line with.
Why does an annual plan distort my budget?
A single large yearly charge is easy to forget between renewals, so monthly budgeting can understate your true commitment. Converting everything to a monthly equivalent reveals the real ongoing cost and makes it easier to spot subscriptions worth cancelling.
What cycle tags can I use?
Tag each line w for weekly, m for monthly, q for quarterly, or y for yearly. If you omit the tag, the calculator treats the price as monthly. This lets you mix billing cycles in one list and still get a correct combined total.
Sources and method
- Method: each plan converted to a monthly equivalent using exact 52-week, 12-month period ratios, then summed. All prices and cycles are user inputs.
- Managing recurring charges and subscriptions, U.S. Consumer Financial Protection Bureau: consumerfinance.gov.
Reviewed by the CalculatorHub team, edited by James Graham, 19 June 2026. See our methodology.