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.
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login
Your subscriptions a year
$0
Tap the prices of what you pay for. The total adds up as you go.
Keep this list, and Funance keeps watching it
- An email a few days before each renewal, yearly ones included
- A heads-up when a price on your list goes up
- Cost per use, and your yearly total over time, next to your budget
Every account starts with 14 days of Pro, no card needed. Your list goes straight into the Subscriptions tab, so there is nothing to type again.
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; the calculator above has current prices for common services.
See it with your own numbers
Every account starts with 14 days of Pro, no card. Keep it for $79 a year, or carry on with the free plan.
How it works
What it does with them
Ranked against usage
Cost is only half the question. Say how often you use each one and you see what it costs every time, and the Subscriptions tab can rank them that way, so the dear, rarely used ones surface first.
Renewal dates tracked
Annual subscriptions are the easiest to forget and the most expensive to forget. Add a renewal date and the Subscriptions tab lists what renews in the next 30 days. Turn on reminders and Funance emails you three days before each one charges.
Price rises flagged
Funance keeps standard Australian prices for common services. When one on your list goes up, the Subscriptions tab shows the new price with one tap to update it, and Pro can email you about it.
Part of your Insights
Subscription spend is one of the categories Insights checks against your own numbers when it ranks what is worth looking at first.
Split with your partner
Mark who pays for each subscription, including the shared ones, so you can both see who is paying for what.
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
Before you start
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.
Can it remind me before something renews?
Yes, in Funance Pro. Add a renewal date to a subscription and turn on reminders in the Subscriptions tab, and you get an email three days before it renews, yearly ones included. Every reminder has a one-click way to turn them off.
Will it tell me when a price goes up?
Yes. The Subscriptions tab shows when the standard price of a service on your list has changed, with one tap to update it, and Pro can email you about it. Without an account, the calculator above can email you when a price you picked changes, after you confirm your address.
Which plan includes it?
Subscriptions is part of Pro, at $9.90 a month or $79 a year.
Related
Related tools and guides
Budget planner Australia
Put in your pay and your bills. See what is really left in each of the next twelve months, including the ones where rego, insurance and the water bill all land at once.
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.
Every account starts with 14 days of Pro, no card needed. Keep it for $79 a year, or carry on with the free plan: Overview, Budget and Debts, for good. No bank login either way.
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login