Is the TrimWell Score free?

Yes, it's completely free with no signup required.

Does the TrimWell Score need my bank login?

No. You manually enter your subscriptions and the tool calculates everything in your browser.

How often should I recalculate my TrimWell Score?

Most people benefit from rechecking quarterly, since subscriptions and prices change often.

What Is the TrimWell Score? How to Calculate Your Subscription Health

Published 2026-01-12 · TrimWell Media

Direct answer: The TrimWell Score is a free, 0-100 score that rates how healthy your recurring subscription spending is, based on three factors: your total monthly spend versus the 2026 national average of $219/month, your subscription count versus the average of 8.2, and (optionally) that spend as a percentage of your income.

How the score is built

The score starts at 100 and subtracts points for three overspending signals. First, if your monthly subscription total exceeds the national average of $219 a month, points come off proportionally. Second, if you're carrying more than the average 8.2 active subscriptions, more points come off. Third, if you enter your monthly income, the tool checks what percentage of it is going to recurring charges — anything over roughly 5% starts reducing the score. Finally, any subscription you flag as 'rarely used' counts extra against you, since unused recurring charges are pure waste rather than a spending choice.

This isn't an arbitrary formula. Consumer research from C+R Research and West Monroe consistently finds that the average American underestimates true subscription spending by roughly 2.5x, and 42% of people have forgotten about a subscription entirely while still paying for it. The TrimWell Score is designed to surface exactly that blind spot.

Why a benchmark matters more than a raw dollar figure

Knowing you spend $164 a month on subscriptions tells you very little on its own. Is that high? Low? Compared to what? The TrimWell Score exists because a raw total needs context. Benchmarking against the 2026 national average ($219/month, 8.2 subscriptions) gives you an immediate read on whether your spending is typical, above average, or a genuine outlier worth addressing.

What the score does not do

The TrimWell Score is an educational estimate, not a financial plan. It doesn't know your total budget, your debt situation, or your savings goals unless you tell it. Use it as a starting conversation with yourself about recurring costs, not a verdict on your finances.

Ready to see your own numbers? Try the free TrimWell Score calculator — no signup, no bank login, results in under a minute.

Frequently Asked Questions

Is the TrimWell Score free?: Yes, it's completely free with no signup required.
Does the TrimWell Score need my bank login?: No. You manually enter your subscriptions and the tool calculates everything in your browser.
How often should I recalculate my TrimWell Score?: Most people benefit from rechecking quarterly, since subscriptions and prices change often.