Subscription Cost Calculator
Add all your subscriptions to see what you're really spending each month and year.
Quick Add Popular Subscriptions
Your Subscriptions
Monthly Cost
$0
Yearly Cost
$0
Daily Cost
$0
Subscriptions
0
Cost Breakdown
Perspective
Hours of work needed (at $25/hr)
0 hrs/month
Equivalent daily coffee habit
0 coffees/day
5-year total cost
$0
If invested at 7% for 10 years
$0
Advertisement
Subscription Awareness
The Subscription Creep Problem
The average American spends $273/month on subscriptions - but estimates their spending at only $86!
That's $3,276/year you might not realize you're spending.
Common culprits:
- Streaming services (Netflix, Hulu, Disney+, etc.)
- Music (Spotify, Apple Music)
- Software (Adobe, Microsoft, cloud storage)
- Fitness (gym, Peloton, apps)
- Gaming (Xbox, PlayStation, game passes)
- News and magazines
The True Cost of "Just $10/month"
A $10/month subscription costs:
- Per year: $120
- Over 5 years: $600
- Over 10 years: $1,200
- Invested at 7% for 10 years: $1,730+
Every subscription has an opportunity cost. Is it worth more than what that money could become?
Smart Subscription Tips
- Audit quarterly: Review all subscriptions every 3 months
- Use free trials wisely: Set calendar reminders before they convert
- Share family plans: Split costs with family members
- Annual vs monthly: Annual plans often save 15-20%
- Rotate services: Don't keep all streaming services year-round
- Check for student/military discounts
- Use browser extensions to find better deals
Warning Signs
You might have too many subscriptions if:
- You can't list them all from memory
- You have multiple services in the same category
- You haven't used a service in 30+ days
- You forgot you had a subscription
- Subscriptions are more than 5% of take-home pay
Consider the "cancel then re-subscribe" rule: If you won't miss it for a month, cancel it.