Subscription Trim & Annual Savings Calculator
Estimate subscription cuts and yearly savings in USD
Subscription calculator FAQs
How are annual prices handled?
Annual amounts are divided by twelve to show a monthly equivalent. At renewal, your decision applies and the monthly equivalent updates from that month forward.
What discount should I assume for negotiation?
Start with 10–20% if you are unsure. Some providers offer better retention rates when you downgrade or prepay. Update the discount if you receive a concrete offer.
Can I include taxes and fees?
Yes. Enter the all-in price that appears on your statement so the totals match your real cash outflow.
Why doesn’t annual savings equal (current − new) × 12?
Because renewals occur in different months. The tool walks month by month through the next year and applies your decisions only when each plan renews.
Subscription saver: what the calculator shows and how to use it
1. See your real monthly spend and the impact of cuts
The Subscription Trim & Annual Savings Calculator totals your current monthly cost across every plan you enter, then compares it with the monthly cost after your decisions and an estimated twelve-month savings figure. Monthly plans contribute their full price; annual plans are converted to a monthly equivalent so you get a clean “per month” view across everything from streaming and cloud storage to gym memberships and software. The savings figure is not just (current − new) × 12 — it walks month by month through the next year and only applies changes from each plan’s renewal date.
2. Add plans with the price you actually pay
For each subscription, enter the plan name, the price in USD, the billing cycle (monthly or annual), and the next renewal month. Use the all-in amount that appears on your statement, including taxes and fees, so the totals line up with your banking app. If you are not sure about a renewal date, use your best estimate; the calculator will still give a solid sense of which changes matter most for the next year.
3. Choose keep, negotiate, or cancel per line
The decision field is where you tell the calculator what you intend to do. “Keep” leaves price and cycle unchanged. “Negotiate” assumes you want to stay on the plan but secure a better rate — the tool applies your global negotiated discount % from the renewal month onward. “Cancel” assumes you turn off auto-renew and stop paying after that renewal month. On the timeline, you will see each plan drop or step down in the month where your decision takes effect.
4. Use the negotiated discount wisely
Many providers routinely offer 10–20% retention discounts if you ask politely or move to an annual or slightly smaller tier. Set the negotiated discount field to a conservative number that reflects the deals you actually see. If you secure a better rate later, adjust the field or update specific rows. Treat “negotiate” as a realistic middle ground between keeping everything and cancelling aggressively — often you can free up meaningful cash while still keeping the services you rely on.
5. Read the renewal timeline and schedule actions
After you calculate, open the Renewal timeline to see each plan plotted at its next renewal month with the “before” and “after” monthly equivalents and the delta. This makes it easy to batch cancellations and negotiation calls instead of scrambling when emails arrive. Large drops in specific months highlight where a few decisions move the needle most. If your twelve-month savings look small, it usually means renewals are far out, your decisions are mostly set to keep, or the big-ticket subscriptions have not been touched yet.
6. Keep it realistic and update as providers respond
This is a planning tool, not a billing system. Real-world offers, taxes, and fees may differ from your assumptions, and some services do not negotiate at all. Use it to sketch a first pass, then update prices and decisions as providers reply. Include only subscriptions you can actually cancel or downgrade without breaking something important, and remember to check who in your household pays which bill so a change does not accidentally remove access for someone else.