FunanceEverything annualised
Each service is shown at its yearly cost, because that is the number that belongs in a budget and the one that changes minds.
Subscriptions for Australian householdsSmall monthly numbers, one large annual one.
Subscriptions are priced monthly because monthly sounds small. Annualised and stacked together they are frequently one of the largest discretionary lines in a household budget, and the least examined.
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Streaming fragmented, and the cost of watching what you used to watch went up without any single price rising much. Add music, cloud storage, a fitness app, the software nobody remembers signing up for, and a gym membership that is technically a subscription too.
The problem is not that any one of them is expensive. It is that none of them is expensive, and there are fourteen.
Funance annualises the lot, categorises them, and ranks them against what the household actually uses.
| Service type | Monthly → annual |
|---|---|
| Streaming, four services | $62 → $744 |
| Music | $14 → $168 |
| Cloud storage | $13 → $156 |
| Fitness app | $16 → $192 |
| Gym | $65 → $780 |
| Software and other | $29 → $348 |
| Annual total | $2,388 |
Illustrative set of services. Not real user data, and not current pricing for any provider.
What it does with them
What the tool actually does
Ranked against usage
Cost is only half the question. The list is ordered so the ones you are paying most for and using least surface first.
Renewal dates tracked
Annual subscriptions are the easiest to forget and the most expensive to forget. Renewals are surfaced before they charge, not after.
Feeds the recommendations engine
Subscription spend is one of the categories the advice engine draws on when it ranks what to look at first.
What to round up first
- Every streaming service, including the shared ones
- Music, storage and software
- Gym and fitness apps
- Anything billed annually, which is easiest to miss
Questions
The things everyone asks
Does it detect subscriptions automatically?
No. Funance does not connect to your bank, so subscriptions are entered manually. The upside is that no banking credentials are shared and nothing depends on a feed staying healthy.
Does it handle annual billing?
Yes. Services can be entered at their real billing frequency and are converted so everything can be compared on the same annual basis.
Which plan includes it?
Subscriptions is part of Pro, at $9.90 a month or $79 a year.
Related
Other things you can work out here
Budget planner Australia
Most budgets fail in week three, when the car registration arrives and the plan quietly stops matching reality. Funance budgets on planned versus actual, so the gap is visible instead of fatal.
Budget planner for Australians →Credit card annual fee calculator
Premium cards are sold on the perks and paid for on the fee. The honest test is whether the value you personally extract exceeds what you hand over each year, and most people have never run it.
Credit card annual fee calculator →Personal finance app for Australia
Most finance apps are international products with the currency symbol swapped. Funance is built around the ATO, the states and the super system, because those are the rules that actually decide what you keep.
Personal finance app for Australia →Know where your money goes.
Know where you're going.
Set up your household in about ten minutes. No bank login, no card, no commitment.
Free forever · no card required · no bank login · runs in your browser