Start with low-friction fixes
If one category contains obvious waste, begin there. Easy wins often create the momentum to review the rest properly.
Annual money leak calculator
See what recurring costs really add up to over a year
Small monthly amounts often feel manageable in isolation. This calculator helps you group them by category, total them quickly, and view the annual impact as one clear number.
Quick calculator
Turn monthly leakage into annual visibility
Use this as a simple decision tool. Enter the recurring monthly amounts you already know across the main leak zones, then use the annual total to decide what deserves review first.
Your recurring costs
How to use it
What to review once the total is visible
The purpose is not perfect budgeting detail. It is to create enough clarity to see which recurring costs should be cancelled, downgraded, compared, or switched.
Check annual weight, not just monthly feel
A modest monthly amount can still become a large yearly cost. The annual number is often what makes the decision clearer.
Prioritise fit and value
Look for categories where usage, value, and price have drifted apart. That is often where the highest-impact action sits.
How Money Mirror helps next
Free check
Start with a quick first pass to identify likely recurring waste and the easiest place to act first.
Start free checkPersonal review
Get a more detailed review if you want stronger context, clearer priorities, and a more refined action order.
See personal reviewSupporting pages worth reviewing
Subscription cost calculator
Break down subscription spend in more detail and compare monthly and annual impact.
Find unused subscriptions
Check for services that are still charging even though they no longer get used.
Duplicate subscriptions
Spot overlapping services that may be solving the same need more than once.
Signs you are overpaying for energy
Review common signs that your bill may no longer reflect fair-fit pricing.
Compare your energy plan
Use a simple comparison mindset before staying with an older or drifting plan.
When to switch energy providers
Understand the moments when switching is more likely to be worth the effort.
Signs your phone plan is too expensive
Review common indicators that your mobile plan may be priced above its real value.
Are you overpaying for NBN speed?
Check whether you are paying for more speed than your household actually needs.