Subscription Trim & Annual Savings Calculator

What you’ll see after you calculate

The Subscription Trim & Annual Savings Calculator totals your current monthly cost across every plan you enter, then estimates the monthly cost after your decisions and the twelve-month savings if you follow through. You also get a renewal timeline that lists when each plan changes, the before and after amounts, and the delta in that month. Because renewals land on different dates, the annual figure reflects timing rather than a simple monthly difference multiplied by twelve.

Which inputs matter most

Price and cycle define the baseline. Annual prices are converted to a monthly equivalent so totals are comparable. Next renewal is critical because keep, negotiate, and cancel all apply at that date. Decision is your lever: keep maintains your current plan and price, negotiate applies your global discount to the plan from renewal onward, and cancel sets the line to zero after the renewal date so you stop paying.

How to read your result

The headline shows three items: your current monthly spend, the expected monthly cost after changes, and twelve-month savings. Use the renewal timeline to spot large drops around specific months and batch your actions so you do not miss windows. If savings look small, check whether renewals are far out or whether most decisions are set to keep.

Improving estimate quality

• Include taxes and fees in the price so totals match your statements.
• Consolidate duplicate features: bundles from internet or mobile providers often include streaming or cloud storage.
• Families can switch to shared tiers; one family plan often beats multiple solo accounts.
• Record which account owner pays each bill so changes do not break access later.

Practical next steps

Start with annual plans renewing within the next sixty days, duplicate services, and any subscriptions you rarely use. For negotiation, be brief and polite, mention tenure and alternative offers, and ask for a retention rate or a lighter tier. If you are undecided, disable auto-renew so you must opt in again deliberately.

Limits and caveats

• This is a planning view: annual costs are smoothed into monthly equivalents while your real cash flow arrives in lumps.
• Shared or family accounts can change limits or features; confirm before consolidating.
• Discount success varies by provider; update a row if you receive a better or worse offer.

References: How subscriptions work (overview), Manage or cancel Apple App Store subscriptions, Manage or cancel Google Play subscriptions

These explain subscription mechanics and link to cancellation steps on major platforms.

How are annual prices handled?

Annual amounts are divided by twelve for planning. 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% as a default. Some providers offer better retention rates if you downgrade or prepay. Adjust the global discount if you get a specific offer.

Can I include taxes and fees?

Yes. Enter the all-in price you pay so totals mirror your card statement.

Why doesn’t annual savings equal (current − new) × 12?

Because renewals occur in different months. The tool sums month-by-month over the next year, applying your decisions only when each plan renews.