See what your regular charges add up to. Enter each subscription or bill once, choose its billing frequency and compare an annual estimate with an average monthly cost.
Inputs stay in this browser tab and clear on reload. Download if you want to keep a copy.
User-entered estimate in AUD. Billing dates, price changes and part-year usage are not forecast. General information, not personal financial, tax or legal advice.
Follow the tool, step by step
Choose a guide below. Follow the labelled screenshot, then try it with your own information.
Step 1 of 3
Name the service, enter the amount of one payment in AUD and select Weekly, Fortnightly, Monthly, Quarterly or Yearly. Use the normal recurring charge after a trial ends. Keep a cancelled service out of the estimate.
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Step 2 of 3
Choose Add subscription for each extra item. Check statements for annual renewals as well as small monthly charges. Remove duplicate rows and convert foreign-currency charges to AUD yourself before entering them.
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Step 3 of 3
Choose Calculate recurring costs. Review the annual estimate and monthly average, then use Download cost breakdown to keep the inputs and results together. Editing a row clears the old result; calculate again after changes.
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Worked example
The estimate is 20 × 12 + 120 × 1 + 10 × 52 = A$880. Dividing by 12 gives A$73.33 rounded to cents. This monthly average is not a payment schedule: the membership still falls due as one yearly charge.
Follow the inputs
Different billing cycles. One yearly view.
Recurring amountsRenewal paperworkTake the next step with Financial Portfolio
A total shows the size of a commitment. A useful record also explains the provider, the related asset and where to find its paperwork. Financial Portfolio lets you maintain those connections as circumstances change.
App access is currently through the waitlist. Keep your download for reference. Tool entries are not sent to the app or imported automatically.
Each payment is multiplied by its frequency: weekly × 52, fortnightly × 26, monthly × 12, quarterly × 4 or yearly × 1. Add the annual row amounts, then divide by 12 for the average monthly equivalent. Row values and displayed results are rounded to cents; totals are calculated before rounding the monthly average.
An annual payment is spread over 12 months only for comparison. It remains payable on its actual due date. Weekly billing can also produce a different number of payments in a particular calendar year. Use your provider's invoice and payment schedule for cash-flow planning.
You can include a known recurring premium or estimated bill, but label estimates clearly. For a free trial, enter the normal charge if you want to understand the ongoing cost. Do not include both the annual premium and its monthly instalments. Check whether instalment pricing differs from the annual offer.
This list covers only the charges you enter. It excludes income, groceries, one-off spending and other household costs unless you add them. Use the Moneysmart budget planner when you need a wider income-and-expense plan.
The tool runs in this browser tab. Your inputs are not sent to Financial Portfolio, stored in a user account or passed through the signup link. A reload clears the working state. Download a CSV if you want a copy, and keep it somewhere appropriate for the information it contains.
Financial Portfolio can help you maintain related records, but this public result does not create a portfolio or verify a source document. Read the privacy policy and terms of use, or visit the Help Center for product questions.
Reviewed . Sources support the general context; worked examples use the assumptions stated on this page.
Put the result to work
Bring the list to a shared review. Check which person uses each service, what cancellation terms apply and whether another household subscription already covers the same need. The calculator does not recommend cancellations.
Use the download as a cost list, then record actual renewal dates separately. A yearly average can help you compare commitments, but it cannot tell you which bills fall due next month.
It is a calculator for a list you enter in the current tab. It does not monitor transactions or save an ongoing subscription register. Download the CSV before leaving if you want to keep the list.
Yes. Each row is converted into an annual estimate using its selected frequency. The monthly result is the annual total divided by 12.
No. Keep actual renewal and cancellation dates in your chosen calendar or records system. This calculator compares costs only.
Zero is allowed for a genuinely free service. An empty amount is incomplete and must be filled before calculation, so a missing bill is not silently treated as free.
No. The calculation runs in this browser tab. Reloading clears your entries. A download creates a file on your device which you should store appropriately.
From a useful start to connected records
Explore how Financial Portfolio connects the assets, debts, people and paperwork you maintain.
