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The spend summary gives you an honest picture of what your subscriptions actually cost. SubLedger converts every active subscription to a monthly equivalent and adds them up, showing a Monthly Spend total and a Yearly Estimate at the top of your dashboard.

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How SubLedger calculates your totals

Every subscription is converted to a monthly equivalent based on its billing cycle: Your Monthly Spend is the sum of those monthly equivalents. Your Yearly Estimate is that monthly total multiplied by 12.
The yearly estimate assumes your current subscriptions remain unchanged. If you cancel or add a subscription mid-year, your actual annual spend will differ from the estimate.

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Spending breakdown by billing cycle

Below your totals, the dashboard shows a spending breakdown grouping your subscriptions by billing cycle — weekly, every 4 weeks, monthly, quarterly, and yearly — so you can see how much of your spend is locked into each cadence. Cycles you aren’t using are hidden.
To break your spend down by category instead, use the category filter on the Reports page (Business plan).

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How totals update

Your spend totals update whenever you:
  • Add a subscription — the new amount is included in both totals right away.
  • Edit a subscription — changing the cost, billing cycle, or offsets recalculates your totals.
  • Delete a subscription — the cost is removed from your totals.
  • Cancel a subscription — cancelled subscriptions stop counting toward your totals.

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Shared costs and employer reimbursements

If you record shared contributions or an employer reimbursement on a subscription, SubLedger subtracts those amounts before converting the cost to a monthly equivalent. Your totals are built from effective costs — what you’re personally responsible for, not the full sticker price. If offsets add up to more than the subscription’s cost, the effective cost is treated as $0 rather than a negative number.
See shared costs and reimbursements for how to record offsets.

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What the spend summary does not include

  • Cancelled subscriptions — once a subscription has a cancellation date, it’s excluded from your totals and counted separately as cancelled.
  • Deleted subscriptions — removed entirely, along with their history.
  • One-time purchases — SubLedger tracks recurring charges only.
There’s no separate “paused” state in SubLedger. To stop a subscription counting toward your totals while keeping its record, use Cancel Sub from its action menu — you can reactivate it later.