Consumer Financial Tools

Hidden Subscription Bleed Calculator —
Your Annual Ghost Spend

Add your subscriptions below. Toggle the ones you actually use. We'll calculate exactly how much money is silently bleeding out of your account every year.

Your Subscriptions

Service

Monthly ($)

I Use It

$
$
$
$

Zero data leaves your device. All calculations run locally in your browser. No account required.

⚠ Annual Ghost Spend

$708

wasted per year on unused services

$58.99/month bleeding out silently

Subscriptions

4

Unused

2

Monthly Waste

$58.99

% Wasted

69%

UsedWasted

Stop the Bleed

SpendKeep's manual entry ensures every charge is visible. No more invisible auto-renewals.

Stop the Bleed. Start Tracking Manually.

Why Subscription Bleed Is the #1 Hidden Budget Killer

A 2022 C+R Research study found Americans spend an average of $219/month on subscriptions — nearly double their own estimates. Budgeting apps that sync with your bank reinforce this amnesia by normalising the passive view of transactions. Manual tracking breaks the cycle: when you must actively enter or approve every charge, you are confronted with the reality of your spending decisions.

Frequently Asked Questions