Subscription Cost Calculator
Guesses are usually low. Tap what you pay for, correct the prices, and see your real monthly, yearly and five-year total in about a minute. Nothing you enter leaves your browser.
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Your real total
Per month
$0.00
Per year
$0.00
Over 5 years
$0.00
This is only what you REMEMBER paying for.
A calculator only counts what you remember. To see what actually repeats on your statements, drop a CSV into the free Recurring Charge Finder, or connect a bank and let Spendalyst watch every recurring charge for you. 14 days free, no credit card.
Why subscription totals are higher than people expect
The reason is simple: software, fitness, entertainment, news, and even food delivery have all shifted to recurring billing. Costs creep in at $10–$20 a month, each one small enough to ignore, but a dozen of them together quietly become a car payment. And because the charges happen automatically, they almost never get reviewed.
How to cut subscription costs
- Audit your statements every quarter. Open the last 12 months of your bank and credit card statements (yearly charges only appear once) and highlight every recurring charge. This is the fastest way to find hidden subscriptions you forgot were still active. Or drop the CSV into our free Recurring Charge Finder; it lists the recurring charges for you, in your browser.
- Try the cancel-then-resubscribe test. If you can cancel a subscription and not miss it for a month, you don't need it. Most services will happily let you resubscribe — often with a discount to win you back.
- Check annual vs monthly pricing. For services you're sure you'll keep all year, annual plans are usually cheaper per month, though how much varies by service. For anything you might cancel, stay on monthly. And read our deeper piece on how hidden subscriptions are costing you thousands.
Frequently asked questions
How much does the average person spend on subscriptions per month?
Published estimates vary widely, so any single figure is a guess. The number that matters is your own: list every recurring charge you can find and total it here.
What subscriptions do people most often forget about?
The usual culprits are free trials that quietly converted to paid, annual renewals that hit once a year, app-store subscriptions buried in phone settings, and duplicate streaming services signed up for a specific show and never cancelled.
Is this calculator free?
Yes — completely free, no signup, no email required. Nothing you enter here is saved or sent anywhere. It runs entirely in your browser.
How do I find subscriptions I forgot about?
Scan at least the last 12 months of your bank and credit card statements, since annual renewals only appear once a year, or use a tool like Spendalyst that reads up to 24 months of transactions automatically and surfaces every recurring charge.
Should I pay monthly or annually for subscriptions?
Annual billing is usually cheaper per month than paying monthly, though how much varies by service. Only commit to annual for something you are confident you will use for the full year, and keep anything you might cancel on monthly.