Subscription Cost Calculator
List every subscription you pay for and see the real total — per month, per year, and over the next five years. Small monthly charges add up to a number most people never actually work out.
An example list is already filled in. Edit it, remove what you do not have, and add your own with the Add subscription button. Your list is saved in this browser only — it is never uploaded.
Why subscriptions add up faster than you expect
- Monthly framing hides the real cost. "$12.99 a month" feels small; the same service is $156 a year, or $780 over five.
- Free trials that quietly converted. You meant to cancel before the trial ended and forgot.
- Price creep. Streaming and software prices have risen steadily. What you signed up for is rarely what you pay now.
- Forgotten subscriptions. Something you used once, tied to a card you rarely check.
- Overlap. Three streaming services when you mostly watch one; two cloud storage plans; a music service you also get bundled with something else.
Ways to bring the number down
- List everything first. You cannot cut what you have not seen. That is what the tool above is for.
- Apply a 30-day rule. If you have not used it in the last month, cancel it. You can almost always resubscribe later.
- Switch keepers to annual billing. For services you are certain about, annual plans are usually 15–20% cheaper.
- Share family plans. Music and streaming family tiers cost far less per person when split with household members.
- Rotate instead of stacking. Keep one streaming service at a time and switch every few months rather than paying for all of them at once.
How the maths works
Each subscription is first converted to a monthly cost:
| Billed | Monthly cost |
|---|---|
| Weekly | price × 52 ÷ 12 |
| Monthly | price |
| Quarterly (every 3 months) | price ÷ 3 |
| Every 6 months | price ÷ 6 |
| Yearly | price ÷ 12 |
Those monthly amounts are added together for the total per month. That figure × 12 is the total per year, and × 60 is the five-year total.
Frequently asked questions
How much does the average person spend on subscriptions?
Surveys vary a lot, but once people actually list everything — streaming, music, cloud storage, apps, news, gym, memberships — monthly totals of $200–$300 or more are common. Most people guess low before they add it up, which is the point of writing them all down here.
Does this calculator store my list of subscriptions?
Only in your own browser, using local storage. The list is never uploaded or sent anywhere. It stays on this device, survives a page reload, and is removed if you clear your browser data or use the "Clear all" button.
Should I switch my subscriptions to annual billing?
For anything you are sure you will keep for a year, annual billing is usually 15–20% cheaper than paying monthly. Keep monthly billing for anything you are still trying out or might cancel soon.
What should I count as a subscription?
Anything you pay for on a repeating schedule: streaming video and music, cloud storage, phone apps, software, news and magazines, a gym or club membership, meal kits, and — if you want the full picture — your mobile and broadband plans.
How does the calculator turn different billing periods into a monthly figure?
It converts everything to a monthly amount first: a weekly price is multiplied by 52 and divided by 12, a quarterly price is divided by 3, a six-monthly price by 6, and a yearly price by 12. It then adds those monthly amounts together and multiplies by 12 for the yearly total.