Subscription & Recurring Bill Audit

What you get

A five-sheet Excel workbook that pulls every recurring charge across all your credit cards and bank accounts into one structured inventory. It converts monthly prices into honest annual totals automatically and scores each subscription against your actual usage, so the decision to cancel or keep is based on numbers rather than habit.

Who it's for

Designed for households and solo professionals doing an annual financial cleanup — particularly anyone who suspects they are paying for services they no longer open but has never tallied the full cost spread across multiple accounts and billing dates.

What's inside

• Subscriptions Inventory — a master register that logs service name, billing amount, cadence, category, and last-used date for every recurring charge you carry.
• Annual Cost Dashboard — recalculates every monthly price into its real annual equivalent, so a $14.99/month charge is displayed plainly as $179.88/year alongside your full roster total.
• Cancel-or-Keep Decision Matrix — scores each subscription by perceived value and actual usage frequency, producing a ranked priority list that removes guesswork from the cut decision.
• Savings Tracker — accumulates the cash recovered after each cancellation and projects total annual savings as the list shrinks.
• Renewal Reminder Calendar — maps every upcoming renewal date with a live day countdown, so you act before the next charge clears rather than after.

How to use it

Open the file directly in Microsoft Excel or upload it to Google Sheets. Begin with the Subscriptions Inventory sheet and enter one row per recurring charge, pulling statements from each card and bank account to ensure nothing is missed. The remaining four sheets draw from that data, walking you through cost translation, keep-or-cut scoring, and renewal tracking in a single sitting.