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TrimWell Score: Free Subscription & Recurring Expense Audit

Answer: This free browser tool calculates your TrimWell Score (0-100), lists exactly what your subscriptions cost per month and per year, benchmarks you against the 2026 national average of $219/month across 8.2 subscriptions, and shows what trimmed waste could grow to if invested instead. No signup. No bank login. Nothing leaves your browser.

The gap is real: the average American underestimates subscription spending at $86/month when the true figure is closer to $219/month — a 2.5x perception gap, according to consumer research from C+R Research and West Monroe. 89% of consumers underestimate what they actually spend.

Step 1: List your recurring subscriptions

Add every subscription you can think of: streaming, music, software, cloud storage, gym, meal kits, apps. Check "rarely use" for anything you haven't opened in the last 60 days.

Step 2: (Optional) Your monthly take-home income

Adding this lets the tool score your subscriptions as a percentage of income, which is more accurate than a flat dollar benchmark.

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This tool provides general educational estimates only and is not financial, investment, tax, or legal advice (informational content only — not a substitute for advice from a licensed professional; not YMYL advice). See our full Disclaimer.
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Why This Matters: The Data Behind Subscription Creep

Subscription creep is the slow, often invisible accumulation of recurring charges — free trials that convert, forgotten annual renewals, and small monthly fees that individually feel negligible. 72% of people have all of their subscriptions on autopay, and 42% admit they've forgotten about a subscription entirely while still being charged for it. Streaming price hikes accelerated in 2026, with Netflix, Spotify, Prime Video, Paramount+, Sling TV, YouTube Premium, and Crunchyroll all raising prices within the first four months of the year alone — each increase small on its own, but compounding across an average household's 8.2 subscriptions.

Regulators are watching too: the FTC's 2024 "Click-to-Cancel" rule was vacated by the Eighth Circuit in 2025 on procedural grounds, and in early 2026 the agency opened a new rulemaking notice (ANPRM) to revive stronger cancellation protections, while roughly 30 states already enforce their own automatic-renewal laws. Until new federal rules take effect, the burden of tracking and canceling unwanted subscriptions still falls on the consumer — which is exactly the gap the TrimWell Score is built to close.

Frequently Asked Questions

What is the TrimWell Score?
A free 0-100 score measuring the health of your recurring subscription spending against 2026 national benchmarks: $219/month average spend and 8.2 average active subscriptions.
Is the TrimWell Score tool really free?
Yes, 100% free, no signup, runs entirely in your browser.
Does TrimWell Score store or see my financial data?
No. Calculations run locally in JavaScript. Your list can optionally be saved to your own browser's local storage only — it is never sent to a server.
How is the TrimWell Score calculated?
It weighs total monthly spend vs. the national average, subscription count vs. the national average, optional spend-as-percent-of-income, and a penalty for subscriptions flagged as rarely used.
What is subscription creep?
The gradual, often unnoticed buildup of recurring charges from trial conversions, forgotten renewals, and small recurring fees.

50 Eye-Opening Subscription & Recurring-Cost Facts

A new fact every few seconds — refreshing automatically. Sourced from CNET, C+R Research, West Monroe, Deloitte, Recurly, the FTC, and other cited research.

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