Subscriptions creep example
Subscriptions Creep Example Tax on Your Budget
Subscriptions creep example: before and after totals with simple numbers to show how a small category can grow, raise its weight, and nudge personal inflation. No blame—just a clear way to test changes.
Published: January 7, 2026 · Updated: January 7, 2026 · By FinToolSuite Editorial
Check your subscription stack
Enter your sub totals and see how they affect personal inflation and the gap estimate.
Disclaimer
- Educational only. Audit ideas are not advice.
- Examples are illustrative and simplified. No guarantees.
- See the Privacy Policy for handling details.
Before: subscriptions creep
Total monthly subs: $90 across 8 services. Category weight: 6% of spend. Inflation/price hikes: ~10% blended. Personal inflation nudges up because the weight is growing and rates are rising.
After: trimmed stack
Trim two unused subs (-$25). New subs total: $65. Weight drops to about 4.3%. Inflation pressure remains but the smaller weight cools the personal inflation impact and gap estimate directionally.
Save baseline, trim, save again, and compare scenarios to see the shift. Keep other assumptions constant.
Audit checklist
- List all subs with amounts.
- Mark duplicates or overlaps.
- Check recent price hikes or add-on fees.
- Set a sub budget cap for scenarios.
- Test a “keep essentials only” scenario.
Try it with your subs
Enter your stack, see the weight, and compare a trimmed scenario.
Want more context? Visit the FAQ.
FAQs
What is subscription creep? ▼
Many small subscriptions accumulate, raising the category weight and personal inflation impact over time.
How does the tool surface it? ▼
It shows your sub weight and inflation in the personal inflation index, plus the gap estimate impact.
Do small categories matter? ▼
Yes, especially when they grow and when prices rise. Weight times inflation drives the effect.
How do I compare before vs after? ▼
Save a baseline, trim subs, save again, and compare scenarios in the tool.
Is this advice? ▼
No. It is educational with illustrative numbers. No guarantees.