See what your subscriptions really cost.
Enter what you pay each month across streaming, music, cloud, software, and the rest. This calculator adds them into a monthly and annual total, projects the cost over five years, and shows what that same money could have grown into if you invested it instead.
Your monthly subscriptions
Enter each monthly amount. Paying yearly? Divide the annual price by 12 first. Leave a field at zero if you do not use it.
What your subscriptions add up to
Where the money goes
Your monthly spend by category
Spent versus invested over 5 years
Cost scorecard
Category by category
Every category, what it costs monthly and yearly, its five-year total, and its share of your subscription bill.
| Category | Monthly | Annual | 5-Year | Share |
|---|
Subscriptions, explained
Why subscription creep is so easy to miss
Individually, a streaming plan or a cloud storage upgrade looks harmless: a few dollars here, ten or twenty there. The trouble is that each one renews quietly on its own schedule, so you never see them lined up next to each other. Add eight of them together and the monthly figure is often two or three times what people guess. This calculator lays every category side by side so the real total stops hiding.
The annual view is the wake-up call. A plan that feels like pocket change at 15 dollars a month is 180 dollars a year, and over five years it is 900 dollars for one line item. Seeing the yearly and five-year numbers together turns a vague feeling of "I probably spend too much" into a specific figure you can act on.
The 7 percent opportunity cost, in plain terms
Every dollar spent on a subscription is a dollar that could have been invested. To show that trade-off, the calculator takes your monthly subscription total and treats it as a monthly contribution to an investment earning 7 percent a year, roughly the long-run average of a broad stock index after inflation. It then compounds that stream month by month for five years.
The gap between what you spend and what that same money could have grown into is the opportunity cost. You do not need to cancel everything: the point is to keep the subscriptions you truly use, trim the ones you forgot about, and understand what the forgotten ones actually cost you over time.
Common questions
What counts as a subscription here?
Any recurring charge you pay on a regular schedule: streaming video and music, cloud storage, software and app plans, a gym or fitness membership, news and media, gaming services, and anything else that renews automatically. If it bills you every month or every year, add it in.
How do I enter something I pay once a year?
Divide the annual price by 12 and enter that monthly figure. For example a 120 dollar yearly plan is 10 dollars a month. The calculator works in monthly amounts, then multiplies back up to annual and multi-year totals for you.
How is the 5-year cost calculated?
It is simply your monthly total multiplied by 12 to get the annual cost, then multiplied by 5. It assumes your subscriptions stay roughly the same. In reality prices tend to rise over time, so treat the five-year number as a conservative floor rather than a ceiling.
What does the invested at 7 percent figure mean?
It shows what your monthly subscription spending could grow into if you invested it each month for five years at a 7 percent annual return, compounded monthly. It is an illustration of opportunity cost, not a promise: real returns vary year to year and can be negative.
What is a healthy amount to spend on subscriptions?
There is no single right number, but a common guideline is to keep total subscriptions under a few percent of your take-home pay. The more useful test is per service: if you have not used it in the last month, it is a strong candidate to cancel.
How can I cut my subscription bill fast?
Start with the biggest category the calculator flags, since one large cut beats several tiny ones. Then look for duplicates, such as two music or two streaming services, cancel anything unused for a month, and switch annual on plans you are sure about to capture the yearly discount.
Estimates for planning only. The five-year total assumes your subscriptions stay flat, though prices usually rise over time. The invested figure uses a 7 percent annual return compounded monthly as an illustration of opportunity cost, not a forecast: real investment returns vary and can be negative. Review your own statements to confirm every recurring charge.