Subscription Calculator
List everything you pay for regularly, weekly, monthly or yearly, and see what it adds up to in a year. Tick the ones you could cancel to see what you would save.
Your inputs are saved only in this browser.
You pay for subscriptions each year
$1,066
- A month
- $88.83
- A day
- $2.92
- Subscriptions
- 6
Tick “Cancel” next to a subscription to see what you would save.
In 10 years you pay $10,660. Invested each month at 7 % a year, the same money would grow to $15,195.
How do subscriptions fit in with the rest of your spending? Open the budget calculator
Not a forecast: real returns will differ, and past returns do not guarantee future results.
What each subscription costs a year
- Gym$48045 %
- Video streaming$21620 %
- Music streaming$14414 %
- News site$12011 %
- App (yearly)$706.6 %
- Cloud storage$363.4 %
Paid for subscriptions vs. invested
- Invested instead
- Paid in total
Year 10
- Invested instead$15,195
- Paid in total$10,660
Invested: a twelfth of the yearly amount at the end of every month, at 7 % a year, without taxes and fees. More in the compound interest calculator
An estimate for information only, not financial, tax or technical advice. How it is calculated and where the data come from
Why subscriptions add up
A single subscription is cheap, and that is the catch. A small amount a month barely registers, but several of them together quickly add up to a sizeable sum a year.
Payments that come yearly or quarterly are easy to forget, because you don’t see them every month. Go through your bank and card statements for the past twelve months, and check the subscriptions in your phone’s app store account, which lists what you pay through it.
A free trial turns into a paid plan if you don’t cancel in time. Note the date when you sign up, or cancel right away: with many services the trial keeps running until its end.
Cancelling is not the only option. A cheaper plan, a yearly plan instead of a monthly one, a shared family plan or pausing a service you use only part of the year can save almost as much.
Frequently asked questions
How do I find all my subscriptions?
Go through your bank and card statements for the last twelve months and look for payments that repeat. Check the subscription list in your phone’s app store account and in payment services such as PayPal. Yearly payments show up only once a year, so a full year matters.
Is a yearly plan cheaper than a monthly one?
Often it is, because many services give a discount for paying a year ahead. It pays off only if you use the service all year; enter both prices here and compare the yearly cost.
How do I cancel a subscription?
Usually in your account settings with the service, or in your phone’s app store if you subscribed through it. Cancel before the next billing date and keep the confirmation.
Does the calculator store my subscriptions?
Only in your browser on this device, so you can come back to them. The link to share the calculation carries the list in the address, so send it only to people who should see it.
How it is calculated and where the data come from
How the result is calculated
- Every price is turned into a yearly one by how often you pay it: weekly × 52, monthly × 12, quarterly × 4, every six months × 2, yearly × 1. A month is a twelfth of the year, and a day is the year divided by 365.
- The saving from cancelling is the yearly cost of the ticked subscriptions.
- “Invested instead” puts a twelfth of the yearly cost of the ticked subscriptions (of all of them when none is ticked) into an investment at the end of every month, growing at the yearly return you set, as in the compound interest calculator.
Assumptions and limits
- Prices stay the same. Subscriptions often get more expensive over time, and an introductory price may end.
- The investment has no taxes, fees or inflation, and its return is the same every year.
- For a price in a foreign currency, enter what your statement shows in your own currency.
The starting list and its prices are our example in round numbers, not the price list of any service. The return of 7 % a year is our example too.
Data sources and the period they hold for
Every number a calculator starts with or computes from comes from one of the sources below. Series names are given as the publisher names them. Each row shows the period the data refer to and, where we record it, the day we downloaded them. Official data can be months old when they are published, so check the current figure before you decide.
- Official
- Published by a central bank, a statistical office, the European Union or another public body.
- Research or industry data
- A dataset of a university, an index provider, an industry association or a data vendor.
- Reported
- A figure of an official body that we know only from the press and did not check in the primary source. Treat it as approximate.
- Example
- A round number of ours, not a statistic. Replace it with your own.
Example budgets and subscriptions
| Source | Period | Type |
|---|---|---|
ExampleA two-earner household in each currency, round numbers; its expenses together about 86 % of its net income | 2026 | Example |
ExampleSubscriptions in round numbers in the range such services cost, not the price list of any service; if invested instead, 7 % a year for 10 years | 2026 | Example |
ExampleA savings goal of 3 months of the example household's income, 85 % of income spent, no interest and no price growth | 2026 | Example |
Methodology text last reviewed 2026-10-06. How we work with data and sources