Subscription Leak Detector Calculator

📖 Overview

Many monthly losses hide in small recurring payments.

This tool estimates how much spend is wasted now and how much compounds over your chosen timeline.

Use it to rank cancellations and stop silent budget drift.

Use these default and higher-pressure example inputs to explore how sensitive this calculator is before using your real numbers.

Projects recurring money leakage from underused subscriptions and forgotten charges over a chosen time window.

The Formula

Monthly Waste = (Monthly Subscriptions × Underused%) + Forgotten Charges

Monthly Subscriptions	Total recurring paid subscriptions per month
Underused%	Share of subscription spend not meaningfully used
Forgotten Charges	Charges still active but no longer intentionally used
Projection Months	Time horizon for total leakage estimate

💡This is a leakage estimator, not a strict accounting statement. It is designed to prioritize cleanup quickly.

Monthly waste	3 months	6 months	12 months
$25	$75	$150	$300
$50	$150	$300	$600
$95	$285	$570	$1,140
$150	$450	$900	$1,800

Use this tool when you need a fast decision during active planning or execution.
Use this before committing money, time, or tradeoffs that are hard to reverse.
Use this to compare options using the same assumptions across scenarios.

Results can be misleading if key inputs are missing, stale, or unrealistic.
Very small or very large values may amplify rounding effects and interpretation risk.
If assumptions change mid-decision, recalculate before acting.

💡 Use actual bank statement totals for recurring payments.

💡 Review waste over 3, 6, and 12 months to prioritize cancellations.

💡 Cancel low-value plans first; then renegotiate plans you still need.

❓ What is underused share?

The percent of subscription spend you rarely use.

❓ Does this include annual plans?

Convert annual plans to equivalent monthly amount first.