1
Import
Upload a supported CSV or add tools manually to build a working list of your subscriptions.
private finance and subscription workspace
Keep spending, budgets, and recurring bills in view.
Record income and expenses, set monthly category budgets, track recurring bills, and audit software subscriptions from one encrypted browser vault. No bank connection is required.
No bank connection required Calculator runs in your browser No account needed for the calculator
THE 30-SECOND BURN AUDIT
How much are your subscriptions really costing?
Build a quick audit with up to 3 manual entries on Free. Need your full list? Verify Pro and import up to 5,000 subscriptions from a CSV.
YOUR 12-MONTH SNAPSHOT
Monthly subscription burn
—
Your normalized monthly cost
12-month spend
—
Projected annual cost of selected tools
Potential waste to review
—
Annual cost of tools you rarely or no longer use
This is an estimate based on your inputs. Spend marked for review is not guaranteed savings. Check each service before cancelling it.
Ready to review your full software stack?
Move beyond three entries. StackCut Pro supports up to 5,000 local subscription records, more audits while access is server-verified, and local review and export.
How it works
Three quick steps to review your stack and decide what to keep, test, or stop paying for.
2
Review
Check duplicate or overlapping tools, usage patterns, and renewal timing before making changes.
3
Decide
Compare savings, understand tradeoffs, and keep or cancel services with clear context.
Built for clarity
Review your everyday money alongside the recurring software costs that can quietly add up.
Subscription audit
Organize your tools by spend, usage, category, and renewal date without the noise of a generic list.
Duplicate detection
See similar services and overlapping plans to identify where a duplicate or near-duplicate may exist.
Transparent savings
Compare confirmed spend with estimated upside and keep a clear view of what may be cut or delayed.
PERSONAL FINANCE WORKSPACE
A clearer view of bills, budgets, and spending.
Keep your manually entered money records in one private workspace—without linking a bank account.
Track income and expenses
Record money coming in and going out, then review monthly totals without mixing currencies.
Set monthly budgets
Choose a category and currency, set a limit, and see how recorded spending compares with it.
Keep recurring bills visible
Track bill amounts, billing intervals, and due dates. Marking a bill paid records your action; it does not make a payment.
Pricing
Simple plans that fit the app’s actual usage limits and supported features.
Free
$0
A useful way to review a small stack before upgrading.
- Up to 3 subscription records
- 1 audit pass
- Manual review and local JSON export
Pro
$2.84
For people who actively manage a larger software stack. $2.84/month, billed monthly through PayPal; access is server-verified.
- Up to 5,000 local subscription records
- Unlimited audits while Pro is active
- Bulk CSV imports up to 5,000 rows
- Exportable, modeled savings plans
- Same private, encrypted local vault
Checkout is provided through PayPal. Pro access requires verification of an eligible active subscription by the server; browser storage alone does not unlock Pro.
STACKCUT FAQ
Frequently asked questions
Clear answers about personal budgets, recurring bills, subscription spend, privacy, and tax estimates.
What is StackCut?
StackCut helps you review recurring software subscriptions, estimate annual spending, and identify possible overlaps worth investigating. The calculator provides a quick estimate, while the app supports a more detailed subscription review.
Is StackCut free?
The homepage 30-second calculator is free and does not require an account or bank connection. The app includes free access for a smaller stack; StackCut Pro costs $2.84 per month and supports up to 5,000 local subscription records, with more audits while access is server-verified.
What does StackCut Pro include?
StackCut Pro costs $2.84 per month and supports up to 5,000 local subscription records, more audits while access is server-verified, and local review and export. Pro access is enabled only after server-side subscription verification.
Does StackCut connect to my bank account?
No bank connection is required. You can enter subscription details manually or import a supported CSV into the app.
Does StackCut upload the information entered into the 30-second calculator?
The homepage calculator performs its calculations in your browser and does not upload or save the values you enter. The full app makes specific server requests, including Pro entitlement checks and tax-rate lookups. See the privacy policy for more details.
How does the 30-second calculator estimate annual spending?
Search more than 100 popular services or add a custom tool, enter the price you actually pay, and choose its billing interval. StackCut annualizes weekly prices by 52, monthly prices by 12, quarterly prices by 4, and annual prices by 1. Prices are not guessed because plans and regional prices vary.
Does potential waste mean guaranteed savings?
No. Potential waste is the annualized cost of subscriptions you mark as rarely used or no longer used. It is spending worth reviewing, not guaranteed savings. Actual savings depend on the services you choose to cancel.
How does StackCut identify possible duplicate subscriptions?
StackCut can flag similar subscription names or shared categories as potential overlaps. These are heuristic signals, not proof that two products are interchangeable. Review the evidence before deciding whether a subscription is redundant.
Does StackCut automatically cancel subscriptions?
No. StackCut helps you review costs and make decisions. You must cancel a subscription directly with the provider.
Is the international tax calculator tax advice?
No. It estimates VAT, GST, or sales tax using available reference rates or a rate you enter. Coverage and tax applicability vary by jurisdiction, and an estimate is not confirmation of the amount on a vendor invoice.
Can I track income and expenses with StackCut?
Yes. Enter income and expenses manually and review monthly totals. StackCut does not import transactions from a bank account.
Can StackCut track recurring bills and due dates?
Yes. Add a bill, amount, billing interval, and next due date. When you mark it paid, StackCut records an expense and advances the next due date. This does not send a payment or verify payment with the provider.
Does StackCut connect to banks or convert currencies?
No bank connection is required. Amounts in different currencies are displayed separately and are not silently converted using an exchange rate.
Are my budgets and finance records encrypted?
Finance entries, bills, budgets, and subscription records are stored in a passphrase-encrypted browser vault. A JSON export is plaintext, so protect the downloaded file.