Retirement Budget & Subscription Audit Checklist
A practical worksheet to align your spending with what you value — and stop silent money leaks.
1) Budget Overview
Start with your monthly numbers. The calculator updates totals automatically.
Total Income: $0
Total Expenses: $0
Net (Income − Expenses): $0
Savings Rate: 0%
On Track
Tip: Match guaranteed income (Social Security, pensions) to essentials first — then budget wants and buffer.
2) Quick Checklist
Progress updates as you check items.
3) Monthly Income
| Source | Amount ($/mo) | Notes | Action |
|---|---|---|---|
4) Monthly Expenses
Break expenses into Needs, Wants, and Buffer (emergency/inflation).
| Category | Type | Amount ($/mo) | Notes | Action |
|---|---|---|---|---|
Pro tip: Set up no-spend days and a 48-hour rule for non-essentials.
5) Subscription Audit (Quarterly)
List every recurring charge. Decide to keep or cancel, track renewal dates, and total the savings.
| Service | Plan / Notes | Monthly ($) | Renewal Date | Status | Annualized ($) | Action |
|---|---|---|---|---|---|---|
| $0 | ||||||
| $0 | ||||||
Total Monthly Subs: $0
Total Annualized: $0
Marked “Cancel/Downgrade” (Annual): $0
Potential Savings Shown
Checklist:
- Cancel duplicates and unused services.
- Set calendar reminders for renewal dates and free trials.
- Ask providers for loyalty or senior discounts.
6) Key Contacts
7) Notes & Next Review Date
Momentum move: Pick two quick wins today and schedule your quarterly audit.