DecisionCalc/Subscription Drain Audit
Simulation Mode Engine Active
Subscription Drain Audit
// Forensic Recurring Cost Intelligence  ·  The Arbiter
// Forensic Prologue

You think you spend $80/month on subscriptions. The Arbiter has reviewed thousands of audits. The real number is almost always two to three times higher. Worse — invested at 8% over 10 years, that money would have become a meaningful sum. This engine quantifies the drain. Input your subscriptions. The Arbiter renders the verdict.

01
Input Each Subscription
Use the sliders for your major recurring categories. Be honest. Round up, not down.
02
Set Investment Return
What return would the money have earned if invested instead? S&P 500 averages 10%.
03
Await Verdict
The Arbiter calculates true annual cost AND the 10-year opportunity cost. The number will sting.
🔐 Final Verdict locked — enter email to reveal's Verdict
Total Monthly
$284
All subscriptions
Annual Drain
$3,408
Per year, gone
10-Year Cost
$34,080
Cumulative spend
If Invested Instead
$59,224
10-year value @ market
Recurring Subscriptions
Drain
Streaming (Netflix, Hulu, etc.)$65/mo
Music (Spotify, Apple Music)$15/mo
Software (Adobe, Office, etc.)$55/mo
Cloud Storage$12/mo
Fitness / Wellness Apps$45/mo
News + Premium Content$25/mo
Gaming + Other$67/mo
The Counterfactual
Investment
Annual Investment Return8%
Time Horizon10 yrs
% You Could Reasonably Cut40%
Monthly Subscriptions$284
Annual Total$3,408
Realistic Cuts$1,363/yr
Future Value of Cuts$23,690
Future Value (All)$59,224
// The Arbiter's Verdict
Awaiting Input
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// Adjust your inputs above  ·  Then reveal the verdict
Not financial advice  ·  Simulation mode
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