Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
1
Log into your Microsoft account on this link:
https://account.microsoft.com/services/
Click the Manage button beside your subscription.
From there, you can cancel your subscription and also ensure you disable the recurring billing on the subscription.
2
Then, when your subscription expires, your wife can use the steps provided on this link to share her subscription with you by sending you a share link.
You can then use your Microsoft account to install and use the Office apps and provided you use the exact same Microsoft account you previously used on your subscription, you will still have access to your files and OneDrive storage.