Free tools
Free tools for everything that comes back
Calculators, templates, and checklists for the money that repeats — subscriptions, software, bills, and renewals. Everything runs in your browser. No signup, no bank login, nothing stored.
0 free tools · all private · nothing leaves your browser
Calculators
Free calculators for everything that comes back — subscriptions, software, and the costs that repeat every month.
30 toolsTemplates
Free, copy-paste trackers for the things that repeat — subscriptions, bills, vendors, and renewals.
7 toolsChecklists
Step-by-step checklists to audit, cut, and stay ahead of everything that quietly recurs.
5 toolsGuides
Plain-English guides on finding, auditing, and reducing the costs that come back every month.
4 toolsGlossary
Clear definitions and comparisons for the language of recurring money.
4 toolsAvailable now
50 tools
Subscription Cost Calculator
Total your subscriptions into one clear monthly and yearly number.
SaaS Spend Calculator
Total SaaS spend across tools and seats, with per-seat cost.
Subscription Tracker Template
Copy-paste tracker for subscriptions, costs, and renewal dates.
Subscription Audit Checklist
Find unused subscriptions and cut recurring waste, step by step.
How to Find All Your Subscriptions
The six places subscriptions hide — and how to surface them all.
Annual Subscription Cost Calculator
The true yearly (and multi-year) cost of any subscription.
Subscription Lifetime Cost Calculator
Lifetime cost of a subscription, plus the invested alternative.
Cancel Unused Subscriptions Calculator
What you'd save by cancelling subscriptions you don't use.
Monthly Recurring Expense Calculator
Every recurring expense in one monthly and yearly total.
Subscription Price Increase Calculator
What subscription price increases cost you over time.
Rent Increase Calculator
Project your rent forward through annual increases.
Insurance Premium Increase Calculator
Project insurance premiums forward through annual increases.
Monthly Burn Rate Calculator
Monthly burn, annual run-rate, and cash runway.
Home Loan EMI Calculator
Your monthly home loan payment, total interest, and total cost.
Monthly Mortgage Payment Calculator
Your monthly mortgage payment, total interest, and total cost.
Auto Loan Payment Calculator
Your monthly car payment, total interest, and total cost.
Personal Loan Payment Calculator
Your monthly personal loan payment and total interest.
Student Loan Payment Calculator
Your monthly student loan payment and total interest.
Monthly Savings Growth Calculator
How recurring monthly savings compound over the years.
Monthly Savings Calculator
The monthly amount needed to hit a savings goal.
Emergency Fund Calculator
Your emergency fund target and time to reach it.
Retirement Savings Calculator
Your projected retirement balance from recurring contributions.
Credit Card Payoff Calculator
Time and interest to clear a credit card balance.
Minimum Payment Calculator
The true cost of paying only the minimum.
Vendor Renewal Cost Calculator
Total committed vendor and contract renewals.
Software Renewal Calculator
Your software and license renewals, totaled.
Contractor Retainer Calculator
Your monthly contractor and agency retainers, totaled.
Business Recurring Expense Calculator
Every recurring business cost in one total.
Monthly Pet Cost Calculator
The real monthly and yearly cost of owning a pet.
Pet Insurance Cost Calculator
Lifetime pet insurance cost as premiums climb.
Gym Membership Cost Calculator
Your gym membership cost, including per visit.
Prescription Cost Calculator
Your recurring medication costs, totaled.
Bill Tracker Template
Copy-paste tracker for bills, due dates, and autopay.
SaaS Spend Tracker Template
Copy-paste tracker for tools, seats, cost, and renewals.
Vendor Renewal Tracker Template
Copy-paste tracker for vendor contracts and renewals.
Annual Expense Tracker Template
Copy-paste tracker for yearly expenses by month.
Monthly Budget Template
Copy-paste budget with planned vs actual and recurring costs.
Business Recurring Expense Template
Copy-paste register of recurring business costs.
Monthly Bill Checklist
A monthly routine to stay ahead of every bill.
Startup SaaS Renewal Checklist
Review SaaS renewals and cut the waste, step by step.
Insurance Renewal Checklist
Review and re-shop insurance before it renews.
End-of-Month Money Checklist
Close out the money month, step by step.
How to Audit Recurring Expenses
Audit everything that repeats, step by step.
How to Reduce Your Monthly Bills
Lower your monthly bills, biggest wins first.
How to Cancel Unused Subscriptions
Cancel what you don't use, and make it stick.
Fixed vs Usage-Based Spend, Explained
Fixed vs usage-based recurring spend, defined.
Recurring Expense vs One-Time Expense
Recurring vs one-time cost, defined with examples.
Autopay vs Recurring Payment
Autopay vs recurring payment, clearly distinguished.
Expense Tracker vs Recurring Intelligence
Expense tracking vs recurring intelligence, compared.
Fixed vs Usage-Based Spend Calculator
Find the break-even between fixed and usage pricing.
The fastest version of all of this
These tools do by hand what Recurrings does automatically — find every recurring charge, total it, and warn you before it renews.
recurrings.ai is in private beta. No card required.