Subscription creep — a calculator
Add every recurring charge. Multiply by twelve. Decide once, twice a year.
Nothing you type leaves the browser. No accounts, no sign-in, no saved history — a calculator that does not know who you are.
What you actually pay
By decision
A subscription you use is one of the better deals in modern life. The cost lives in the ones that renew unexamined — so the useful step is the deciding, not the cancelling.
Why this is true
Every $11 a month is $132 a year — that is the reframe the sheet forces. The math is a multiplication no one avoids because it is hard; they avoid it because the monthly numbers each feel like nothing on their own.
The stack is where the cost lives. Five reasonable services at $9 to $17 a month is $700 to $800 a year, quietly, from decisions no one remembers making. That is not a character failing — subscriptions are priced to sit under the threshold where you stop and think, and cancellation always takes more effort than the charge does.
The three piles come from the piece this tool is drawn from. Keep: you use it and it earns its annual number. Cut: you would not sign up again today. Pause: you would miss it, but not this season — many services let you rejoin next month with nothing lost. There is no virtue in cancelling things you love, only clarity in seeing all the numbers in one place.
Because Plumb reads your live transactions, the Cash view surfaces recurring charges automatically — including the ones that crept up in price since last year and the ones you had forgotten existed.
Plumb is financial education, not financial, investment, tax, or legal advice.