Quick Answer
Add every repeat charge on the same yearly basis. In this example, S$20 and S$35 monthly subscriptions plus a S$120 annual plan total S$65 a month, or S$780 a year. The monthly figure helps you compare costs, but the S$120 renewal is still due on its own date.
The Useful Number: S$20 and S$35 monthly subscriptions plus a S$120 annual plan total S$65 a month, or S$780 a year.
Where Should You Look For Recurring Payments?
Check your bank, credit card and app store statements for repeat payments, including yearly renewals. Enter each charge once, with how often it is billed.
GIRO is just a way to pay, not a sign a bill is unneeded. Treat insurance, tax instalments and essential services differently from entertainment subscriptions. The tool adds up amounts; it does not decide what to cancel.
What Do Three Recurring Payments Cost A Year?
Two monthly services at S$20 and S$35, plus service C at S$120 a year (S$10 a month), cost S$65 a month, or S$780 a year. The S$120 renewal is still due on its own date, and cancelling only saves money if it takes effect and no charges remain.
- Service B (S$35/mth): S$420
- Service A (S$20/mth): S$240
- Service C (S$120/yr): S$120
- Combined Yearly Cost: S$780
Data as of . Source: MoneySense — Managing Your Money.
Which Dates And Contract Terms Should You Check?
The tool handles monthly and yearly billing; convert other cycles first and note the real payment dates. Promo prices may rise on renewal, and foreign-currency charges can change.
Removing a row does not cancel a subscription or GIRO. Check notice periods, cancellation fees, refunds and any loss of essential cover with the provider first.
Which Changes Should You Make First?
Start with the biggest-first list under your result, which shows each charge’s yearly cost and share of the total. Mark each item keep, review or cancel, contact the provider, then check your next statement. A share link shows amounts and billing cycles, but not names, to anyone who has it.
Quick Check
Three statements from this guide. Tap True or False to check what you have read. Nothing is saved.
Card 1 Of 3
A S$120 annual plan adds S$10 a month to your subscription total.
Why? Card 1 Of 3
That makes it easy to compare with monthly charges, but the renewal is still due on its own date as one S$120 payment.
Card 2 Of 3
Removing a row in the tool cancels that subscription.
Why? Card 2 Of 3
Removing a row does not cancel a subscription or GIRO. Check notice periods, cancellation fees and refunds with the provider, then check your next statement.
Card 3 Of 3
A GIRO payment is a sign that a bill can be cut.
Why? Card 3 Of 3
Treat insurance, tax instalments and essential services differently from entertainment subscriptions.
Your Score
Try It With Your Numbers
Open the calculator with this guide’s example filled in. Then change the numbers to match your situation.
Open Subscription & GIRO Audit →Frequently Asked Questions
Where Do I Find All My Recurring Payments?
Check your bank, credit card and app store statements instead of relying on memory.
Include yearly renewals that did not show up last month. Enter each charge once, with how often it is billed.
Should I Cancel Every GIRO Payment I Find?
Not always.
GIRO is just a way to pay, not a sign that a bill is unneeded. Treat insurance, tax instalments and essential services differently from entertainment subscriptions. The tool adds up amounts; it does not decide what to cancel.
Does Removing A Row Cancel My Subscription?
No.
Removing a row does not cancel a subscription or GIRO. Check notice periods, cancellation fees, refunds and any loss of essential cover with the provider first. Then check your next statement to confirm the change.
What Does A Subscription Audit Share Link Reveal?
A share link includes amounts and billing cycles but not subscription names.
Anyone with the link can see those amounts. The tool does not access your accounts, cancel services or keep a permanent record.
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Sources & Assumptions
Sources checked 11 September 2026. These are examples only. Check the stated assumptions and limits before you use a result.
Simple sum only. It does not access your accounts, cancel services or keep a permanent record. Shared links show the amounts and billing cycles you entered.