Most households underestimate what they pay for subscriptions. List what you pay each month, mark what you still use, and see exactly what is leaking.
Banking on café or airport Wi-Fi? A VPN is the one subscription that protects all the others — we use NordVPN. Black Friday sale on now: up to 77% off + 3 extra months.
Audit your subscriptions
Your own subscriptions
Small monthly charges, big yearly numbers
The average household underestimates what it spends on subscriptions. A $15-a-month charge feels invisible, but it is $180 a year — and most households carry several they barely use. Annualizing every charge is the only way to see the real number.
When you cancel, cancel from the provider, not the app store, where possible: sign in on the service’s own website and cancel there, so the subscription actually ends instead of lingering through an app-store billing profile. And check your bank and card statements for annual fees and renewals you forgot about — they are the easiest leaks to miss. Money you free up here can go straight at a card balance — the Credit Card Payoff Calculator shows how long that balance takes to clear, and the Debt Payoff Calculator compares the snowball and avalanche plans for several debts at once.
Estimates only — based on the amounts you enter. Check each provider’s cancellation terms before you cancel, so you know whether you keep access until the end of the billing period.
One subscription that can protect your money
Most subscriptions on your list are entertainment. A VPN is the rare one that guards the rest of your finances: your bank’s app is already encrypted at home, but on public Wi-Fi — cafés, airports, hotels — a VPN encrypts everything you do on that network, banking included. We point readers to NordVPN for that job; you can see its current plans here: NordVPN.
Current deal (checked November 11, 2026): NordVPN’s Black Friday sale — up to 77% off 2-year plans plus 3 extra months. The 2-year Basic plan works out to CA$4.49/month (CA$121.23 for the first 27 months) through our link, and every plan carries a 30-day money-back guarantee.
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