SUBSCRIPTION INTELLIGENCE & AUDIT
Track, customize, and cut recurring software spend. Calculate 10-year compounding drain, foreign exchange fees, and legitimate IRS § 162 tax deductions.
100% Business Tools: Software solely used for work (Canva Pro, AWS, Zoom, Google Workspace, GitHub) qualifies as a full ordinary & necessary expense under IRC § 162(a) (Schedule C Line 18 or 25).
Mixed Personal & Work: Utilities such as home internet, mobile phones, or Amazon Prime qualify for a reasonable split (e.g., 50% business / 50% personal under IRC § 262).
Personal Entertainment: Netflix, Spotify, Disney+, and gaming cannot be written off as business deductions.
The Pause Trap: Services like Canva and Audible promote "Pause for 3 Months" while burying cancellation. When 90 days elapse, billing silently resumes without notification.
Early Termination Penalties: Adobe contracts often levy a 50% remainder fee ($100–$300). Bypass: Switching to a cheaper plan resets the statutory 14-day cooling-off period, allowing cancellation with $0 penalty.
Ghost Seat Invoices: Deleting an employee in Google Workspace or Slack does not cancel their paid seat license until explicitly downgraded.
Over 90% of global software is billed in US Dollars ($). When charged to non-US credit cards, banks silently tack on a 2.5% to 4.0% foreign transaction spread on every recurring invoice.
Use the currency selector in the toolbar below to convert charges to your home currency with real exchange rates.
Toggle tools on the left to track spend.