Build a reviewable list of actual billing amounts and dates. Compare the monthly budgeting equivalent with scheduled cash, then distinguish possible changes from confirmed cancellations. Services can be useful or enjoyable; the calculator does not decide which ones you should keep.

Build the list before making decisions

Review your own account records and enter each recurring service, its currency, billing amount and frequency. Check the provider for the next renewal date and any trial, cancellation or commitment terms. Leave an unknown renewal date blank instead of inventing one.

Preset prices are unverified illustrative USD examples retained from this calculator on October 8, 2026. Edit them to match your actual bills. CSV files and pasted lists are processed locally; a bank connection or statement upload is not required. Preview the parsed rows and any duplicate matches before appending them.

Keep duplicate names as separate entries when they represent separate accounts or billing arrangements. The import preview can exclude exact duplicate records; it does not decide that similarly named charges are the same contract. Check quoted commas and the selected column and decimal separators before applying a batch. Imported formula-like names remain text, and Undo restores the list before the last import or deletion.

Separate the service, your preference and the action

Category describes the service, such as media, software or fitness. Essentiality records your own preference. A Can Cancel label or planned cancellation does not remove any actual bill.

A confirmed cancellation requires an effective date. The cash ledger retains bills through an entered commitment end date, including that date; cancellation can avoid later eligible renewals. Enter a confirmed refund as a separate amount and date. Potential reductions remain conditional on the entered dates and commitments; the calculator does not verify provider notice periods, eligibility or refunds.

For example, a monthly USD20 renewal on the tenth stays payable on March 10 when a retained commitment ends on that day, even if cancellation was effective February 1. An entered USD5 refund on March 15 is a separate negative cash event and contributes to confirmed reductions. Check the month’s event list against the provider’s actual dates before interpreting its totals. Duplicate service names retain their own actions and dates.

Read the cash calendar and optional projection together

An annual USD120 subscription is USD10 per month equivalent even when its only bill is USD120 in December. The rolling horizon starts on the analysis date and excludes the same date 12 months later. It may touch 13 calendar months when the first and last months are partial. Next-30-day cash includes the analysis date and excludes day 30. Unknown renewals stay in a separate unscheduled list; a trial date is a reminder rather than an assumed charge.

Each currency has its own totals. Scheduled net cash includes entered dated refunds; it is not a prediction of every household transaction. The optional investment scenario uses a separately chosen monthly contribution, fixed month-end deposits and a constant effective annual return. Its 2.5% inflation adjustment is illustrative. It excludes fees and taxes and does not infer when cancellation savings become available.

Copy, CSV and Print use this same dated audit. Review each convention before treating a displayed reduction as part of a household budget.