Most Canadians underestimate their subscription spending. Calculate your monthly, yearly, and 5-year costs in under 30 seconds.
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A subscription leak is money draining out of your budget through recurring charges you've forgotten or stopped using — streaming services, apps, memberships, and free trials that quietly started billing. Individually they look small, but added up across a year they often total far more than people expect.
You list your recurring subscriptions and what each one costs. The tool adds them up and shows the total as a monthly, yearly, and five-year figure, so a handful of small charges is reframed as the real amount they cost over time. It takes about a minute.
Yes. The Subscription Leak Detector is completely free, needs no signup or account, and asks for no payment details. It's one of HarmonyBudget's free tools and is free forever.
Yes. Everything you enter stays in your browser — the numbers are added up on your own device and are never sent to a server or stored by HarmonyBudget. Nothing is linked to your identity, and closing the tab clears what you typed.
It varies by household, so this tool doesn't guess — it shows your own real total instead. Most people are surprised because subscriptions bill in small monthly amounts that never feel large individually. Seeing the combined yearly and five-year figure is usually what makes the leak obvious.