General
Subscription Calculator
Add your recurring subscriptions and see the full picture: monthly, annual, 5-year total, and what you'd earn if that money were invested instead.
Your Subscriptions
Add your subscriptions and click Calculate to see your totals
How is this calculated?
Monthly Total = Σ (monthly_costs) + Σ (annual_costs / 12)
Annual Total = Monthly Total × 12
Daily Cost = Annual Total / 365
5-Year Total = Annual Total × 5
"If Invested Instead" (future value of annuity):
FV = monthly_total × [((1 + r)^n - 1) / r]
where r = 0.07/12 (7% annual return, monthly)
n = years × 12FAQ
Frequently asked questions about subscriptions
How much does the average person spend on subscriptions?
Research shows the average American spends $200-$300/month on subscriptions — roughly $2,400-$3,600/year. Many people underestimate this by 2-3×, forgetting services they rarely use.
What counts as a subscription?
Any recurring charge: streaming (Netflix, Spotify), software (Adobe, Microsoft 365), delivery (Amazon Prime), fitness (gym, Peloton), news/media, cloud storage, gaming, meal kits, beauty boxes, and even recurring app purchases.
How does the 'if invested instead' comparison work?
We calculate what your subscription spending would grow to if invested in a diversified index fund at 7% average annual return. This shows the true opportunity cost of recurring expenses over 5, 10, or 20 years.
Which subscriptions should I cancel?
Cancel anything you haven't used in 30+ days. Consider rotating entertainment subscriptions (one streaming service at a time). Look for annual billing discounts (typically 15-20% savings) on services you definitely keep.
How do I find forgotten subscriptions?
Check your bank and credit card statements for the last 3 months. Look for small recurring charges ($5-$15) that are easy to miss. Many banks now offer subscription tracking features.
Is annual billing always better than monthly?
Annual billing saves 15-20% on average, but only if you're certain you'll use the service all year. For services you might cancel, monthly billing gives you flexibility despite the higher per-month cost.