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SaaS Cost Calculator

Add your software subscriptions, see your real annual spend, and get a stack health score with overlap warnings.

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How this audit works

Most teams underestimate their SaaS spend by 30–40%. Subscriptions are scattered across personal cards, departmental budgets, and annual contracts billed once a year so they fall out of mind. This calculator pulls them into one view and surfaces where the slack is.

What the stack score means

The score (0–100) penalises two things: tool count (more than 10 tools deducts 10 points; more than 15 deducts 20) and category overlap (multiple AI tools, multiple project trackers, or multiple design apps each deduct 15). A score above 80 means a lean stack. Below 60 usually signals consolidation opportunity worth hundreds to thousands of pounds a year.

Common patterns we see

  • The "we tried it and never cancelled" stack: three or four productivity apps from previous quarters, all auto-renewing. Audit for last-login dates first — these are the easiest cuts.
  • Personal-card sprawl: individual team members expensing their own subscriptions. Centralise billing to one account for visibility and bulk-discount leverage at renewal.
  • The annual-contract trap: tools billed yearly look cheap monthly but lock you in. Switch to monthly while you're evaluating, annual only once you're committed.
  • Free-tier outgrowth: tools adopted on a free plan that quietly migrated to a paid tier as the team grew. Review every "starter" plan quarterly.
  • Shadow IT: tools individuals signed up for without ops knowing. SSO logs often surface these — anything authenticated via Google or Microsoft SSO leaves a trail.

What to do with your numbers

  1. Sort by category in the breakdown bars. Anywhere with three or more tools is a consolidation target.
  2. Check actual usage in each tool's admin dashboard before cutting. Kill licences for users who haven't logged in within the last 30 days — typically 15–25% of seats sit unused.
  3. For tools you keep, request a discount on annual renewal. Vendors will often offer 10–20% off to retain rather than risk churn, especially in the last 60–90 days of a contract.
  4. Use the share link to send the audit to your CFO or co-founder. Cost decisions land better when they're shared decisions backed by a number.

How your data is handled

Nothing leaves your browser. Your entered subscriptions are stored in localStorage only, and the share URL encodes the data in the URL itself — no server, no database, no signup. You can verify this by viewing the page source or watching the network tab while you use the tool.

This calculator is one of several free utilities we publish at Tuning Digital. For a longer-form take on the same topic, see our guide to reducing SaaS spend by 40% — it covers the audit playbook step-by-step, including how to handle vendor negotiation and what to escalate to your finance team.