Vocations · Job Skills

Small monthly charges.
A large yearly number.

Subscriptions are built to be forgotten: a few dollars a month, renewed automatically, rarely used. List each one with its price, billing cycle, next renewal and the last time anyone used it. The calculator turns every plan into a yearly cost, adds them up and flags what is idle, what is renewing this week and which trials are about to convert.

Add a subscriptionWhat you get
$5one-time · every device you sign in on
Buy · $5

Included with the Caveat Academy pass and Whole-school licenses. Or get it in the Job search kit, $29 for 34 items.

Your subscriptions

The worked example is made up: a household with two streaming services, a family music plan, yearly cloud storage and a gym unused for 50 days. Saved on this device only.

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What you get

Vocations · Job Skills$5

What you finish with
A record per subscription: name, kind, price, billing cycle, trial status, next renewal, last use, who uses it, value, how to cancel and five checks. Works out the yearly and monthly cost, days to renewal and days since use; totals the household’s year and month; flags idle plans, renewals within a week, trials about to convert and low-value plans, and names duplicate kinds.
Who it is for
Students, young adults and families managing a budget, and teachers running personal finance lessons.
Format
Browser calculator with a saved record per subscription. Prints one record, every subscription in a table or a blank sheet; downloads a spreadsheet (.csv); exports and imports a file.
Access
$5 one-time, yours on every device you sign in on; the tool opens once you are signed in with it. Included with the Caveat Academy pass and Whole-school licenses. Also in the Job search kit ($29) and the Vocations Suite pass ($99), and 1 more bundle. Everything you type stays in this browser; nothing is sent to Caveat.
Where it lives
The Job Skills space in Caveat Vocations.
Support
Questions about access, an order or a correction: team@caveatacademic.com.

How to use it

  1. Go through the last two bank or card statements and the phone’s app store list.
  2. Add each subscription with its price and billing cycle.
  3. Note the next renewal and the last time anyone used it.
  4. Cancel or downgrade what the flags mark.
  5. Set a reminder a few days before each yearly renewal.

Add a subscription

What it adds up to

What a small monthly price adds up toPriceMonthlyA yearFive yearsA $7.99 plan$7.99$95.88$479.40A $15.49 plan$15.49$185.88$929.40A $39 plan$39.00$468.00$2,340.00$29.99 billed yearly$2.50$29.99$149.95What a small monthly price adds up toA $7.99 planMonthly: $7.99A year: $95.88Five years: $479.40A $15.49 planMonthly: $15.49A year: $185.88Five years: $929.40A $39 planMonthly: $39.00A year: $468.00Five years: $2,340.00$29.99 billed yearlyMonthly: $2.50A year: $29.99Five years: $149.95
Figures assume the price never rises; most subscriptions raise prices every year or two.

Where to find them all

Bank and card statements catch most. Subscriptions bought through a phone are listed in the app store account’s subscriptions page, and some only appear there. Check both, and any PayPal or similar account.

Cancelling

Cancel the way the terms say, keep the confirmation email and check the next statement. If a charge continues after you cancelled, dispute it with your card issuer; the Fair Credit Billing Act covers billing errors on credit cards when reported within 60 days of the statement.

Sources

  1. Federal Trade Commission. Consumer advice on subscriptions, free trials and negative option offers (consumer.ftc.gov).
  2. Consumer Financial Protection Bureau. How do I dispute a charge on my credit card bill? (consumerfinance.gov).
  3. Fair Credit Billing Act, 15 U.S.C. 1666 (billing errors on credit card accounts).
  4. Restore Online Shoppers’ Confidence Act, 15 U.S.C. 8401 to 8405 (clear disclosure, consent and simple cancellation for online subscriptions).

The worked example is made up; prices are typical, not quotes. Nothing you type is sent to Caveat. Support: team@caveatacademic.com.