Subscription Cost Calculator

How to use this calculator

Add a row for every subscription you pay for — streaming services, music, the gym, cloud storage, news, software, food boxes, anything recurring. For each one, type the name, the price you pay, and how often you're billed (monthly, yearly, or weekly). Use the + Add subscription button to add more rows and the ✕ button to remove any you no longer want to count. The totals update instantly as you type, so you can see the running cost build up in real time.

How this is calculated

To compare subscriptions fairly, the calculator normalises every plan to a monthly figure. A monthly plan stays as-is, a yearly plan is divided by 12, and a weekly plan is multiplied by 52 and divided by 12. We add those monthly amounts together to get your total per month, multiply by 12 for the per-year figure, and by 60 months for the five-year total. That five-year number is the eye-opener — small recurring charges quietly become large amounts once you stretch them out.

Educational estimate only — see our disclaimer.

A worked example

Say you pay $15.49 a month for streaming TV, $11.99 for music, $40 for a gym membership, and $99 a year for cloud storage. The first three are already monthly, so they total $67.48. The cloud storage works out to $99 ÷ 12 = $8.25 a month. Add them up and you're spending about $75.73 a month, or roughly $909 a year. Over five years that's around $4,544 — for services that felt like just a few dollars each at sign-up. Seeing the yearly and five-year numbers side by side is usually what prompts people to trim the list.

Tips to audit your subscriptions

• Check your card and bank statements. Scroll back three months and flag every recurring charge — you'll almost always find one you forgot about.
• Ask "did I use it this month?" If you can't remember the last time you opened a service, that's your answer.
• Watch for free trials that converted. Trials you meant to cancel are the most common silent drain.
• Look for duplicates. Two music apps, three streaming services, overlapping cloud storage — you rarely need them all at once.
• Rotate instead of stacking. Keep one streaming service at a time and switch when you've finished a show, rather than paying for several in parallel.
• Switch to annual on the ones you'll keep. Annual billing is usually cheaper per month than paying monthly.

Once you've trimmed the list, fold the savings into your wider plan with the budget calculator so the money you free up actually goes somewhere useful.