Tools
Your subscriptions cost more than you think.
Tick off the subscriptions you actually pay for, adjust the prices to match your statements, and see the real monthly and yearly total. Nothing is saved — your numbers stay in this browser tab.
Step 1
Tick what you pay for
Prices are approximate AUD defaults, not current pricing — edit any of them in the next step.
Step 2
Check the prices
Adjust anything to match your bank statement, and add whatever is missing.
Nothing selected yet — tick a few subscriptions above or add your own below.
Optional
Compare against your pay
Your subscriptions cost
$0 / year
$0.00 per month
Add your monthly take-home pay to see what slice of it this takes.
Tick a few subscriptions to see the yearly total — it is usually a surprise.
The honest question
For each one on your list: did you use it in the last fortnight? If not, it is not a subscription — it is a donation.
Why subscription costs sneak up
Each subscription is priced to feel harmless — ten dollars here, fifteen there, billed on different days through different providers so no single charge ever looks worth questioning. The yearly total is the only number that tells the truth.
Prices also drift upward quietly. A plan that cost $9.99 when you signed up rarely costs that now, and annual renewals hide in a single month where you might not notice them. Checking the real charges on your statement once or twice a year is the cheapest financial habit there is.
Frequently asked questions
How do I find subscriptions I have forgotten about?
Scan twelve months of bank and card statements — not just one, because annual and quarterly charges hide in single months. Search your statements for common billers like Apple, Google, PayPal and Amazon, since many subscriptions bill through them. Then check the subscription screens in your phone settings (App Store or Google Play), where app subscriptions live even when the app is long deleted.
How do I cancel an unused subscription?
Cancel at the source: the service’s own account settings, or your phone’s App Store / Google Play subscription screen if you signed up through an app. Cancelling a card or hoping the charge stops rarely works — billers can retry, and some debit arrangements follow a replacement card. After cancelling, watch the next statement to confirm the charge is actually gone.
Are the preset prices current?
No — they are deliberately approximate. Streaming and app prices change often and vary by plan tier, so treat the defaults as starting points and edit any price to match what your statement actually shows.
Is this calculator private?
Yes. Nothing you enter is stored, sent to a server, or visible to anyone else. The calculation runs entirely in your browser and clears when you close the tab.
This calculator is general information only and does not constitute personal financial advice. Preset prices are approximate and may not reflect current pricing. Results are estimates and depend on the values you enter.
Skip the statement hunt
Cove finds these automatically from your bank data.
Cove connects to your Australian bank accounts through the Consumer Data Right and spots the recurring charges in your real transactions — including the ones you forgot about and the prices that have crept up. Start with 7 days free, then $9.99 AUD per month.