Use this simple worksheet
Enter monthly recurring costs to see the estimated monthly and yearly load. This works well before cutting costs, moving, switching providers, or reviewing subscriptions.
Enter sample amounts and select Calculate.
This calculator is a planning aid only. It does not send information anywhere and does not replace provider quotes, contracts, official bills, taxes, fees, or qualified advice.
How to use the result
Do not cut every service blindly. Rank each bill by usefulness, contract status, renewal date, and ease of switching. Start with services that are unused, duplicated, out of promotion, or easy to downgrade without disrupting daily life.