Add all your subscriptions and see your total monthly and yearly spend. Most people are shocked by the total.
The average person has 8-12 active subscriptions. Each one feels small individually — ₹149 here, ₹299 there. But combined, they often add up to ₹3,000-5,000 per month — money that leaves your account automatically, without you actively deciding to spend it.
The key problem with subscriptions is their invisibility. Unlike a purchase you make consciously, subscriptions debit silently. Research shows that people consistently underestimate their subscription spending by 40-50%. This calculator exists to make that invisible spending visible.
Go through your last 3 months of bank statements and credit card bills. Look for any recurring charge — monthly, quarterly, or annual. Add every one to this calculator. You'll likely find at least 2-3 subscriptions you forgot you had.
Once you have the full list, ask one question about each: did I use this enough last month to justify the cost? If the answer is no — cancel it. Most services make cancellation easy, and you can always resubscribe if you miss it.