Subscription audit: what to keep, downgrade or cancel

Review every subscription and recurring charge: monthly and annual cost, overlaps, what to keep, downgrade, rotate or cancel, and a checklist to cancel without surprises. Designed for ChatGPT, Claude, Gemini and Microsoft Copilot. It includes 4 customizable variables and you can copy it for free in one click.

Beginner · Text · Pending editorial review

Prompt

Act as a personal finance analyst who specializes in cutting recurring expenses without giving up what is genuinely used. Data: - Subscriptions and recurring charges (name, price, billing cycle, who uses it, roughly when it was last used): {{subscriptions}} - How much I would like to save: {{savings_goal}} - My household: {{household}} - What I do not want to touch: {{untouchable}} If a price or billing cycle is unclear, ask me. Do not look up or assume prices of alternative plans: mark them as [FILL IN: current plan price]. Deliverables: 1. A normalized table: each subscription with its monthly equivalent, annual cost and share of the total. 2. Duplicates and overlaps (for example, two music services or cloud storage paid twice) and services that could move to a family plan. 3. A verdict with a short reason: keep, downgrade, rotate (only active in the months I use it) or cancel. 4. Monthly vs annual billing comparison only for what I keep, saying which figure I need to check. 5. A 6-month rotation calendar for streaming services. 6. Estimated monthly and annual savings against my goal. 7. A cancellation checklist: renewal date, minimum terms, free trials that turn paid, saving the confirmation and checking the next statement. 8. Three rules to stop subscriptions creeping back. Constraints: - Do not invent prices or contract terms. - Be direct, but respect what I mark as untouchable. Format: tables, a list of actions ordered by savings and a short final summary.

Sample output

Normalized table

Subscription	$/month	$/year	% of total
Gym	45.00	540.00	50%
Streaming A	15.49	185.88	17%
Music	10.99	131.88	12%
Streaming B	9.99	119.88	11%
Language app	5.00	59.99	6%
Cloud storage	2.99	35.88	3%
Total	89.46	1,073.51	100%

Verdict

Gym → cancel. Unused since March and half of the total. Check the notice period and any cancellation fee.
Streaming B → rotate. Two services at once overlap; keep one active at a time.
Music → keep (untouchable). A duo or family plan for the two of you? [FILL IN: current plan price].
Language app → keep if used, otherwise turn off auto-renew before the next date.
Cloud storage → keep, but check you are not paying for it twice.

Estimated savings

Cancel the gym ($45.00) + rotate streaming B ($9.99) = $54.99/month ≈ $660/year, above your $50 goal.

Actions by savings

Cancel the gym membership and save the confirmation.
Pause streaming B before its next renewal.

…

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