Subscription Cost Calculator
Calculate the true annual cost of all your subscriptions.
See how monthly subscriptions add up and find potential savings.
Total Subscription Cost
Subscription costs are easy to underestimate because they are small monthly amounts. But they add up fast.
Annual Cost = Monthly Cost × 12
5-Year Cost = Annual Cost × 5
10-Year Opportunity Cost = Annual Cost × [(1+r)^10 - 1] / r
The opportunity cost shows what you would have if you invested that money instead.
Example: Five subscriptions totaling $85/month:
- Annual cost = $1,020
- 5-year cost = $5,100
- 10-year cost if invested at 7% = $14,900
Common subscriptions people forget:
- Streaming services ($10-20 each)
- Cloud storage ($3-15)
- Music streaming ($10-15)
- News/magazine subscriptions ($5-20)
- App subscriptions ($5-30)
- Gym memberships ($20-80)
Tips:
- Audit all subscriptions every 3-6 months
- Cancel anything you have not used in the last 30 days
- Look for bundle deals that combine multiple services
- Annual billing is usually 15-20% cheaper than monthly