General
Subscription Tracker
Add your recurring subscriptions to see total monthly, annual, and daily costs — plus what that money would grow to if 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
"If Invested Instead" — Future Value of Annuity:
FV = PMT × [((1 + r)^n - 1) / r]
where PMT = monthly_total
r = 0.07 / 12 (7% annual return, compounded monthly)
n = years × 12
Category breakdown groups subscriptions by type
(streaming, software, delivery, fitness, news, other).FAQ
Frequently asked questions about subscription tracking
How much does the average person spend on subscriptions?
Studies show the average American spends $219/month on subscriptions — roughly $2,628/year. Most people underestimate their actual spending by 2-3× because they forget about annual billings, app subscriptions, and services on autopay.
What counts as a subscription for tracking purposes?
Any recurring charge: streaming services (Netflix, Spotify, Disney+), software (Adobe, Microsoft 365), delivery (Amazon Prime, meal kits), fitness (gym, Peloton), news/media, cloud storage, gaming passes, beauty boxes, and even recurring app purchases or Patreon subscriptions.
How does the 'if invested instead' projection work?
We calculate the future value of your monthly subscription spending if invested in a diversified index fund earning 7% average annual return. Using the future value of annuity formula: FV = PMT × [((1+r)^n - 1) / r], where r is monthly return rate and n is months.
What's the best way to reduce subscription spending?
Audit quarterly: cancel anything unused in 30+ days. Rotate entertainment (one streaming service at a time). Use annual billing for keepers (saves 15-20%). Share family plans. Replace paid apps with free alternatives where quality is comparable.
How do I find subscriptions I forgot about?
Check all bank/credit card statements for 3 months. Search email for 'subscription', 'receipt', 'renewal'. Check app store subscriptions (iOS Settings > Apple ID > Subscriptions, or Google Play > Payments). Use your bank's subscription tracking feature if available.
Should I always choose annual billing over monthly?
Annual billing saves 15-25% on average, but only commit annually for services you're certain you'll use all year. Monthly billing gives flexibility to cancel anytime. For new services, start monthly and switch to annual after 3 months of consistent use.