Recurring costs
Audit subscriptions by renewal date, not a misleading monthly average
A yearly software bill can be affordable on average and awkward on the day it lands. A useful subscription audit answers two different questions: what is scheduled inside these dates, and which future renewals could you deliberately stop? Neither answer is a refund of money already paid.
Start with the bill, not a guessed provider price
Enter the subscription name, exact billed amount, currency, billing frequency and a known next charge date. Use your invoice or account page. Prices, tax, introductory offers and regional plans differ; a generic provider list is not evidence of what you pay.
The planner accepts monthly, quarterly, annual and weekly schedules. Its window includes the start date and excludes the end date, with a maximum of 366 days. It models a repeating schedule from the known anchor; it does not reconcile bank transactions, prove that a historical charge occurred or detect a refund.
Follow a month-end renewal through February
Suppose a fictional membership charges USD 10 on January 31, 2027. In a window from January 1 until April 1, the monthly schedule contains January 31, February 28 and March 31: USD 30. Adding a month repeatedly to the shortened February date would incorrectly drift the next date to March 28. The planner keeps the original anchor.
A weekly charge uses actual dates rather than four charges per month. An annual charge already paid in November has no scheduled charge in a January-to-April window. Turning off its next renewal would not make that earlier payment reappear as spendable cash.
Keep a review decision separate from a cancellation
Keep, Review and Scenario: stop future renewals are planning choices. The reduction counts only modeled charges in the selected window and assumes you can stop them before they occur. Check the provider’s terms, billing time and cancellation confirmation yourself. The planner does not contact the provider.
A stop-renewal scenario does not account for notice periods, committed installments, cancellation fees or refund rights. If a required service still has value, leave it in the plan; the goal is a considered decision rather than the largest possible cancellation total.
Export a schedule you can inspect
Totals remain separate for each currency. Adding USD and JPY as if they were the same unit would manufacture a result. An exchange-rate quote, conversion fees and dates belong in a separate explicit scenario.
JSON preserves the entered plan for another device. The dated CSV lists scheduled charges. Both contain the subscription names you entered, so store them as private records. Pasted rows stay in your browser and are previewed before being added; this release sends no bill text to an AI provider.
Authored 2026-10-29. Arithmetic examples are covered by local regression tests. New workflow guides remain outside the indexing allowlist pending editorial and applicable specialist review. Examples use the assumptions stated here; authority guidance can change.