Subscription Cost Calculator
List your monthly subscriptions. See the true annual bill, the 10-year cost, and what the same money compounds to if invested — then decide which ones survive.
Enter up to 6 monthly amounts. Leave unused rows at 0. Yearly-billed? Divide by 12.
| Per month | — |
| Per day | — |
| Over 10 years (flat) | — |
| Invested at 7% for 10 years instead | — |
Why subscriptions feel cheap and cost a fortune
$11 here, $15 there — each one prices itself against a coffee. But the average US household now carries well over $100/month in subscriptions, and surveys repeatedly find people underestimate their total by roughly half. The example defaults above — a typical modest stack — run $135/month: $1,620/year, or over $23,000 of invested value in a decade.
Real cost = Monthly total × 12 × years — or, invested, much more
The 30-second audit that pays hundreds
- Open your card and bank statements for last month; list every recurring charge (this is where forgotten ones hide).
- For each: "Did I use it in the last 30 days?" No → cancel today.
- For each survivor: "Would I sign up again at this price today?" No → cancel or downgrade.
- Check for duplicate coverage (two streaming services you watch alternately — rotate one at a time instead).
Canceling $40/month is worth more than a $600/year raise — no taxes come out of a cancellation. Redirect it automatically to savings with the savings goal calculator so it does not evaporate into general spending.
Frequently asked questions
How much does the average person spend on subscriptions?
US surveys put the household average well above $100/month — over $1,200/year — and people typically guess about half their true number. Bank statements do not lie; memories do.
Are subscriptions worth it?
Each one is a math problem: cost per actual use. A $40 gym visited 12 times a month costs $3.33/visit — great. Visited once, $40/visit. This calculator gives the totals; usage gives the verdict.
What is the invested-instead number?
The future value of contributing your monthly subscription total to investments earning 7%/year for 10 years. It shows opportunity cost — what the money could become, not just what it buys.
How do I find subscriptions I forgot?
Scan 2–3 months of card and bank statements for recurring charges, check app store subscription pages (Apple/Google), and search email for "your payment was successful". Forgotten trials are the classic leak.
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Last updated: 2026-07-08