Divide the annual price by the monthly price to get the breakeven month. Keep the service longer than that and annual saves money; quit sooner and monthly is safer — annual plans are usually non-refundable. Enter your numbers below for an instant verdict.
The cheapest subscription is the one you stop overpaying for. These three best-sellers helped a lot of people cut recurring spend — the classic reads on automating money and rewiring how you spend.
Make sure it’s not overlapping with a service you already have — OverlapAudit checks duplicate spend in 30 seconds.
Check for overlap →If you might quit soon, keep monthly — and if you decide to cancel, Cancel & Refund Helper writes the message for you.
Get a cancel script →TrialGuard pins your exact cancel-by date so a trial never turns into a surprise annual charge.
Get my cancel-by date →SubScan audits every subscription you’re paying for — free, on-device, no bank login.
Audit my subscriptions →