Guide

How to review your SaaS spending

By Clinton Feyisitan Feb 9, 2026 6 min read

Add up your own invoices and renewal dates before deciding what to cut. This article does not establish an average monthly software spend for solo founders.

Inventory subscriptions, usage and required features before deciding what is redundant. The time required depends on the account history and the amount of migration work.

The five steps below are an editorial audit framework. Apply them to your own accounts and keep the source bills and trial results.

Step 1: Audit everything you are paying for

You cannot reduce what you have not measured. The first step is brutally simple: make a list of every single tool you pay for, along with its monthly cost and what you actually use it for.

Reconcile the last few months of bank and card transactions against your subscription inventory. Include annual renewals, separate work accounts and charges under a parent company name. For each payment, record the owner, actual use, renewal date and cancellation terms before deciding whether it can be removed.

For each tool, write down three things: the monthly cost, the features you actually use on a weekly basis, and when you last logged in. If the answer to that last question is longer than two weeks ago, flag it.

Use a calculator with your actual invoices, billing periods and seats to estimate spend. It does not discover subscriptions or establish a replacement saving from the tool names alone.

Step 2: Find overlapping tools

Look for duplicated responsibilities using your own usage and workflow records. Similar product categories do not prove that a subscription can be removed.

Examples of possible overlap to investigate:

  • For project work, check where tasks, owners and deadlines live. Consolidate Notion, Trello or Asana only after confirming that the retained tool supports the required workflow and export.
  • Communication sprawl. Slack plus Discord plus a team chat feature inside your project management tool. If you are a solo founder or a tiny team, you do not need three places for messages.
  • Analytics stacking. Google Analytics plus Mixpanel plus Hotjar plus PostHog. Each one was added to answer a specific question, and now you are paying for four dashboards you check once a month.
  • For design, list the required UI, social and presentation exports. Figma and Canva may serve separate production jobs; trial the proposed replacement before cancelling either.

Keep the tool or combination that meets the required roles and recovery needs. Confirm feature coverage and migrate the data before cancelling an account.

Step 3: Downgrade unused premium tiers

For each paid plan, list the features that require it and check whether a cheaper eligible plan still meets those needs.

Check why each paid plan was chosen and whether that feature is still required. Compare current entitlements and account-specific renewal terms instead of assuming a downgrade is harmless.

Possible downgrades to validate before changing an account:

  • For Notion, check shared blocks, required features, uploads and the actual members before changing plans. A solo user’s needs do not establish that a downgrade is adequate.
  • For Slack, verify message retention, external access and the history your team needs before changing plans.
  • For Zoom, check meeting length, participant limits, recording and administration before changing plans.
  • For Canva, check the assets, brand features, exports and team access you require before changing plans.

Go tool by tool. Check the pricing page. Compare what your current plan offers against what you actually use. You will be surprised how many downgrades are painless.

Step 4: Switch to cheaper alternatives

A replacement can reduce a bill when it meets the required workflow with an eligible plan. Validate the feature, migration and operating costs before comparing price.

A few swaps we recommend regularly:

  • For email, separate transactional delivery from newsletters and marketing workflows. Resend’s transactional Free allowance is 3,000 emails/month with a 100/day limit; marketing plans and charges are separate.
  • For support, compare required inboxes, channels, help-centre access, escalation and user seats. Neither Intercom nor Crisp was included in the 20-tool price check.
  • For hosting, trial the application, database connections, backups and required capacity. In the 9 October observation, Railway Hobby has a $5 USD monthly minimum including $5 of usage; additional resources are metered, not an unlimited free production tier.
  • For password management, compare team access, recovery, export and the actual plan quote before migrating. Neither LastPass nor Bitwarden was included in the price check.

The Alternatives directory offers candidate shortlists and acceptance checks. It does not establish that every replacement is cheaper or suitable.

Step 5: Negotiate annual deals

For tools that survive the audit, compare monthly and annual billing. Include cancellation terms and the expected period of use; a lower monthly-equivalent rate can still cost more if you stop using the tool.

Ask about the terms that apply to your account, including billing commitment, renewal and any verified eligibility programme. Do not assume a discount or continuing entitlement.

The key is timing. Negotiate before your renewal date, not after. And always mention that you are evaluating alternatives. Competition is your leverage.

Original illustrative budget: before and after

The following is an original illustrative budget, not a documented client result. The legacy plan amounts and purported substitutions are not a current quote or proof of equivalent features.

Original example, not a current vendor quote: Before the audit: ~$297/month

  • Original illustration; verify before use: Notion Plus: $10/mo
  • Original illustration; verify before use: Slack Pro: $8/mo
  • Original illustration; verify before use: Trello Premium: $10/mo (barely used)
  • Original illustration; verify before use: Mailchimp Standard: $20/mo
  • Original illustration; verify before use: Zoom Pro: $14/mo
  • Original illustration; verify before use: Intercom Starter: $74/mo
  • Original illustration; verify before use: Canva Pro: $13/mo
  • Original illustration; verify before use: Mixpanel Growth: $28/mo
  • Original illustration; verify before use: Heroku: $25/mo
  • Original illustration; verify before use: Grammarly Premium: $12/mo
  • Original illustration; verify before use: Google Workspace: $7/mo
  • Original illustration; verify before use: Calendly Pro: $12/mo
  • Original illustration; verify before use: Zapier Starter: $20/mo
  • Original illustration; verify before use: Dropbox Plus: $12/mo
  • Original illustration; verify before use: 1Password: $5/mo
  • Original illustration; verify before use: Misc subscriptions: ~$27/mo

Original example, not a current vendor quote: After the audit: ~$118/month

  • Original illustration; verify before use: Notion Free: $0 (downgraded, solo user)
  • Original illustration; verify before use: Slack Free: $0 (downgraded, small team)
  • Trello: cancelled (Notion covers it)
  • Original scenario: a transactional-email allowance in Resend. This does not establish an equivalent Mailchimp marketing workflow; newsletter features must be quoted separately.
  • Original illustration; verify before use: Zoom Free: $0 (meetings under 40 min)
  • Original illustration; verify before use: Crisp Free: $0 (replaced Intercom)
  • Original illustration; verify before use: Canva Free: $0 (downgraded)
  • Original illustration; verify before use: PostHog Free: $0 (replaced Mixpanel)
  • Original illustration; verify before use: Railway: $5/mo (replaced Heroku)
  • Original scenario: a Claude consumer plan. It does not establish a Grammarly replacement or include Claude API usage.
  • Original illustration; verify before use: Google Workspace: $7/mo (still needed)
  • Original illustration; verify before use: Cal.com Free: $0 (replaced Calendly)
  • Original illustration; verify before use: Make.com Free: $0 (replaced Zapier for low volume)
  • Original illustration; verify before use: Google Drive: $0 (replaced Dropbox)
  • Original illustration; verify before use: Bitwarden Free: $0 (replaced 1Password)
  • No verified annual-discount saving is established by this scenario. Use the actual eligible quote and renewal terms.

The before-and-after figures are an illustrative budget calculation, not a published client case study or a current vendor quote. Calculate savings from your actual bill after transition work, fees and the features you retain.

Start your own audit today

You do not need to do all five steps in one sitting. Start with step one. Open your bank statements, list your subscriptions, and add up the total. That number alone is usually enough motivation to keep going.

Use your invoice inventory and the evaluation worksheet to document choices. For help with research or implementation, request a brief-specific scope and quote through Services.

Start with one account review, verify any cancellation and compare the resulting bills. No fixed saving or completion time is established by this article.

Separate the old example from the current quote

The publication date above belongs to the original article. Its old plan names, feature allowances and price examples have not all been renewed. The following price-only observations were checked against official sources on 9 October 2026; they do not establish a complete stack cost or tested workflow.

  • Notion: USD Plus $10 and Business $20 per member/month, billed yearly; $12 and $24 respectively when billed monthly. GBP is a separate regional display. Official pricing
  • Claude: Pro $20 USD/month with monthly billing; Max starts at $100/month. API token charges are separate and usage is limited. Official pricing
  • Resend: Transactional Free: 3,000 emails/month with a 100/day limit. Pro: $20 USD/month for 50,000 emails; overages and marketing email are separate. Official pricing
  • Figma: Professional Full seat $16 USD/seat/month, billed annually. Other seat types differ; monthly Professional billing was not rechecked. Official pricing
  • Zapier: Professional starts at $19.99 USD/month billed yearly, or $29.99 billed monthly (read 19 October 2026). Exact paid task tier must be confirmed; Free has 100 tasks/month. Official pricing
  • Make: Core $12 USD/month in the official 10,000-credit monthly view. Annual rates differ, and credits are not a count of complete workflows. Official pricing
  • Railway: Hobby has a $5 USD monthly minimum including $5 of usage. Extra CPU, memory, storage and egress are metered; it is not a flat unlimited bill. Official pricing

Read the 20-tool pricing receipt and its limits. Other vendors and historic personal bills are not verified by that receipt.

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Independent
No paid rankings. Sponsored cards are labelled.
Evidence explained
Editorial guidance; test records identified when available.
Dated context
Check the publication date and current vendor terms.