Templates · Spending
Free Subscription Tracker Template
Find out exactly how much you are spending on subscriptions. List every recurring charge, spot the ones you forgot about, track renewal dates, and figure out which ones to keep and which to cut.
- Spending
- Tracker
- Free template
What's included
This tracker includes 4 sections covering everything you need.
Active Subscriptions
Every subscription you are paying for, with costs and renewal info.
| Service | Category | Monthly Cost | Annual Cost | Billing Cycle | Renewal Date | Payment Method | Keep/Cancel/Review |
|---|---|---|---|---|---|---|---|
| --- | --- | --- | --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- | --- | --- | --- |
Spending Summary
Your total subscription spending, grouped by category.
| Category | Monthly Total | Annual Total | % of Income |
|---|---|---|---|
| --- | --- | --- | --- |
| --- | --- | --- | --- |
Cancellation Log
Subscriptions you have cut — and how much you are saving.
| Service | Cancelled Date | Monthly Savings | Annual Savings | Cancellation Method |
|---|---|---|---|---|
| --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- |
Annual Audit Checklist
A quarterly check-in to make sure every subscription is still earning its keep.
| Service | Last Used | Usage Frequency | Value Rating (1-5) | Decision |
|---|---|---|---|---|
| --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- |
How to use this template
Follow these steps to get the most out of this template.
- 1
List every subscription you have — streaming, software, gym, news, cloud storage, meal kits, all of it.
- 2
Go through your bank and credit card statements for any recurring charges you might have forgotten.
- 3
Add up your total monthly and annual subscription spending. (Brace yourself.)
- 4
For each one, ask honestly: when did you last use it? Is it worth the price?
- 5
Cancel anything you have not touched in the past 30 days or that scores below 3 in value.
- 6
Set a quarterly reminder to do this again.
Who this template is for
Anyone who suspects they are paying for subscriptions they do not use.
People who want to trim recurring expenses without cutting essentials.
Households with multiple streaming and software subscriptions across family members.
Budget-conscious individuals who want visibility into their recurring charges.
Why use Clarity instead?
This template is great for manual tracking, but Clarity automates everything for you. Connect your bank accounts, brokerages, exchanges, and wallets and see real-time data without entering a single number.
- Automatic transaction imports from 12,000+ institutions
- Real-time portfolio values and net worth tracking
- AI-powered spending insights and budget recommendations
- Tax-ready reports with automatic cost basis calculations
- One dashboard for banks, brokerages, crypto, and DeFi
Frequently Asked Questions
How much does the average person spend on subscriptions?
Studies show $200-300 per month, but most people guess around $80. The gap comes from forgotten subscriptions, free trials that quietly converted to paid, and charges spread across different cards and payment methods.
How do I find all my subscriptions?
Comb through your bank and credit card statements for the last 3-6 months. Search your email for renewal notices. Check your phone's subscription settings (iOS: Settings > Apple ID > Subscriptions; Android: Google Play > Payments & Subscriptions).
Should I switch annual billing to save money?
If you are sure you will keep a service for a full year, annual billing usually saves 15-20%. Stay monthly for anything you are testing or may cancel soon. The savings add up — $20/month vs. $170/year saves you $70 annually on just one subscription.
Related templates
Other templates you might find useful.
Monthly Budget Template
A simple monthly budget spreadsheet that helps you see where your money actually goes. Track your income, fixed bills, everyday spending, and savings all in one place. You get automatic totals and a column that shows how your spending stacks up against your plan.
BudgetingHousehold Budget Template
A budget built for two (or more). Whether you are a couple or a family, this template tracks multiple incomes, shared expenses, personal spending allowances, and household savings goals — all in one place.
SavingsSinking Fund Tracker
Stop getting blindsided by expenses you knew were coming. A sinking fund lets you save a little each month for things like holiday gifts, car maintenance, insurance premiums, and home repairs — so the bill is covered when it shows up.
Ready to go beyond spreadsheets?
Clarity connects to your financial accounts and automates what this template does manually. Real-time data, zero data entry, and AI-powered insights.