Personal Finance
Subscription Audit
Convert every subscription to an annual figure so they are comparable, then rank the money by how recently each was used.
- Delivery
- Instant download
- Purchase
- One-time payment
- Format
- Google Sheets
- Excel
- Updated
- August 2026
What this spreadsheet does
Nobody escalates a fifteen dollar decision, which is why these are priced at fifteen dollars. On the sample list a third of the annual spend is on services untouched for months.
What you can do with it
- Find what recurring payments actually total in a year
- Identify services nobody has opened in months
- See which category quietly costs the most
What's included
Sheet tabs
- Instructions
- Subscriptions
- By Category
Features
- Monthly and annual plans converted to a common annual figure
- An unused threshold you set, with every service flagged against it
- Unused spend totalled and shown as a share of everything
- Annual-plan spend surfaced separately, because those hide longest
- Category breakdown showing where the waste actually sits
- The most expensive single subscription named
How it works
- 1List every recurring payment from your card statement, not memory
- 2Set the billing cycle for each
- 3Enter days since last used, estimating where you have to
Who it's for
Anyone with more recurring payments than they can list from memory.
Sample subscriptions are illustrative. The method is the product; the figure it produces on your own list is usually higher than expected.
Frequently asked questions
Why convert everything to an annual figure?
Because a $9.99 month and an $89.99 year are not comparable as quoted, and annual plans disappear from monthly review entirely until they renew.
What is a reasonable unused threshold?
Ninety days suits most things. Set it shorter for anything you believe you use weekly, because that is where the honest answer usually differs from the assumed one.
Does this connect to my bank?
No. It is a spreadsheet, so you enter the list yourself from a statement. That is slower and it is also why nothing is shared with anyone.
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