Track every subscription and recurring charge in one place. See your total monthly and annual spending, identify forgotten subscriptions, track renewal dates, and find subscriptions to cut.
This tracker includes 4 sections covering everything you need.
Every active subscription with cost and renewal details.
| Service | Category | Monthly Cost | Annual Cost | Billing Cycle | Renewal Date | Payment Method | Keep/Cancel/Review |
|---|---|---|---|---|---|---|---|
| --- | --- | --- | --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- | --- | --- | --- |
Total subscription spending by category.
| Category | Monthly Total | Annual Total | % of Income |
|---|---|---|---|
| --- | --- | --- | --- |
| --- | --- | --- | --- |
Record of subscriptions you have cancelled.
| Service | Cancelled Date | Monthly Savings | Annual Savings | Cancellation Method |
|---|---|---|---|---|
| --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- |
Quarterly review of all subscriptions.
| Service | Last Used | Usage Frequency | Value Rating (1-5) | Decision |
|---|---|---|---|---|
| --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- |
Follow these steps to get the most out of this template.
List every subscription — streaming, software, gym, news, cloud storage, meal kits, everything.
Check bank and credit card statements for any recurring charges you may have forgotten.
Calculate your total monthly and annual subscription spending.
For each subscription, honestly assess: when did you last use it? Is it worth the cost?
Cancel anything you have not used in the past 30 days or that scores below 3 in value.
Set a quarterly reminder to re-audit your subscriptions.
Anyone who suspects they are paying for subscriptions they do not use.
People who want to reduce 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.
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.
Studies show the average American spends $200-300 per month on subscriptions, but most people estimate they spend around $80. The gap comes from forgotten subscriptions, free trials that converted to paid, and subscriptions across multiple payment methods.
Search your bank and credit card statements for recurring charges over the last 3-6 months. Check your email for renewal notices. Review the subscriptions section in your phone's app store (iOS Settings > Apple ID > Subscriptions, or Google Play > Payments & Subscriptions).
Annual billing typically saves 15-20% compared to monthly. Switch to annual for subscriptions you are confident you will keep for a full year. Stay monthly for services you are testing or might cancel soon. The savings from annual billing can be significant — $20/month vs $170/year saves $70 annually.
Other templates you might find useful.
Monthly Budget Template
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SavingsSinking Fund Tracker
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Clarity connects to your financial accounts and automates what this template does manually. Real-time data, zero data entry, and AI-powered insights.