Calculate your family subscription cost, cost per person, wasted spending, and subscription health score so you can decide what to keep, share, downgrade, or cancel.
A lower cost per active user and lower unused-service cost indicate a healthier subscription setup. A high waste ratio means the household is paying for services that are not producing enough value.
The score rewards shared usage and penalizes unused services. It is an estimate for budgeting, not a bank-level audit.
If your family pays $145 per month, has $240 in annual plans, 4 active users, and $25 of unused services, the monthly equivalent is $165 and the cost per user is $41.25.
A practical target depends on income and usage, but many households should review spending once subscriptions exceed a few percent of monthly discretionary income.
Cancel unused plans, share eligible family plans, remove duplicate services, and compare annual billing only for services you use consistently.
Annual billing is often cheaper, but it only helps when the family keeps using the service for most of the year.
List each recurring charge, mark who uses it, and treat any service with no active user or low usage as potential waste.
They are usually worth it when several people actively use the same service and the family plan replaces separate individual plans.
| Metric | Meaning |
|---|---|
| Monthly cost | Recurring monthly equivalent after annual plans are included. |
| Cost per user | How efficiently the family uses paid services. |
| Wasted cost | Estimated subscriptions with little or no active use. |
| Health Score | Overall subscription efficiency from 0 to 100. |