Understanding the calculation
Each row is annualised: amount per payment × payments per year × manual exchange rate if needed. Dividing by 12 gives a monthly equivalent, not necessarily each month’s bill. The reference includes every row; the current scenario includes enabled rows only. The difference is potential savings and does not mean a service has been cancelled. The largest payment is ranked by annual cost, not by a single bill.
Annual = amount × {52, 12, 4, 2 or 1} × manual exchange rate. Monthly = annual / 12. Savings = all rows − included rows.
Worked example
Fictional EUR example: a monthly payment of 12 costs 144 a year; an annual payment of 90 costs 90. Total: 234 a year or 19.50 a month. Excluding the monthly payment leaves 90 a year and saves 144. A weekly payment of 5 is 260 a year or 21.67 a month, not 20.
Assumptions and limits
A conventional 52-week year is used; some calendars contain 53 weekly charges. Prices, taxes, promotions and exchange rates are manual and assumed constant. Due dates, partial payments and contract commitments are not modelled. Disabling a row changes the simulation only. For foreign-currency payments, check your provider’s fees and rates. Shared links contain names and amounts; share only with intended recipients.
Questions about this tool
Can I add payments in different currencies?
Yes, by entering a manual exchange rate to the result currency for each foreign-currency row. No current rate is fetched. If a rate is missing, no mixed-currency total is calculated.