Subscription Audit Calculator: Your Instant Raise
Add up what your subscriptions cost and see what cancelling frees up
By the Monthly Income Booster editorial team · Updated · How we research and fact-check
On this topic
Subscription Audit Calculator: Your Instant Raise
Printed 2026-10-27 from billorganizingapp.com/income/calculators/subscription-audit/ — an estimate for planning, not financial or tax advice.
Cancelling is the fastest raise available — it takes effect this month and is not taxed.
Keep your budget and bills on track month to month in the free Bill Organizer app.
Cutting a subscription is the only raise that arrives this month, requires no extra hours, and isn't taxed. Most households are paying for several services they'd struggle to name. Add yours up and see the number.
How to Run the Audit
Open your bank and card statements for the last three months and search for repeated charges. Include app store subscriptions, which hide inside a single monthly charge, and annual renewals divided by twelve.
The Keep, Cut, Pause Rule
Keep anything you used in the last two weeks. Cut anything you can't remember using. Pause the ones you use seasonally — many services allow it, and it's easier to accept than cancelling.
What to Do With the Money
Freed-up money vanishes unless you give it a job the same day. Move it automatically to savings, debt, or investing. The ten-year figure shows what the habit is actually worth.
Then Add Income On Top
Cutting has a floor; earning doesn't. Once the audit is done, put the same hour into a small hustle and run both numbers side by side in the overtime vs side hustle calculator.
Official sources
Tax rules, limits and pay data change. Check the current figures with the primary source before acting on them.
Frequently Asked Questions
How much does the average household spend on subscriptions?+
It varies widely, and most people underestimate their own total. The point of the audit is to replace the guess with your real statement figures.
Is cancelling better than earning more?+
It's faster and certain, but limited. Cutting has a hard floor at zero, while income has no ceiling — do the cut first, then build income.
What about annual subscriptions?+
Divide the annual price by twelve and include it. Renewals you forgot about are usually the biggest single line.
Related Guides
Pay Raise Calculator: New Salary, Hourly & Take-Home
Enter a percentage or dollar raise to see your new salary or hourly rate, the extra per paycheck, the extra you keep after tax, and the raise after inflation
eBay Profit Calculator: Fees, Shipping & Net Profit (2026)
Free eBay profit calculator: enter sale price, item cost, shipping and promoted rate to see final value fees, net profit, margin and ROI
Net Worth Calculator: Assets, Debts & Your Trend
Add up what you own and what you owe to get your net worth, liquid net worth and debt-to-asset ratio, and save a monthly total to see the trend
CD Calculator: Interest Earned, APY and Early Withdrawal Cost
See what a certificate of deposit pays at maturity from its APY or interest rate, the interest after tax, and roughly what breaking it early would cost
Stock Average Calculator: Average Cost per Share and Averaging Down
Add each purchase to get your average cost per share, and work out how many shares at today's price would move that average to a target
Compound Interest Calculator: Free Growth Tool
See how your money grows over time with the magic of compounding
Browse the whole site
Build Your Personalized Income Plan
Get an AI-generated plan covering all 20 income types in 60 seconds.