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Subscription Cost Calculator

Check the subscriptions you pay for, enter your monthly costs, and instantly see your true annual spend — plus what that money could grow to if you invested it instead.

Your Subscriptions

Streaming & Entertainment
Productivity & Cloud
Fitness & Health
News & Education
Other

Total Monthly Cost
$0.00
Annual Cost
$0.00
Daily Cost
$0.00
If you invested this instead (7% annual return):
In 5 years
$0
In 10 years
$0
In 20 years
$0
Assumes annual cost invested as a lump sum at start of each year, compounded monthly.
Spending by Category

How to Cut Subscription Costs

1. Audit every subscription — even the tiny ones

Small monthly charges add up fast. Check your bank and credit card statements for the past 90 days and list every recurring charge. Many people find subscriptions they forgot they signed up for.

2. Cancel anything you haven’t used in 30 days

If you haven’t opened an app or visited a service in the past month, cancel it. You can almost always resubscribe if you miss it, and most services offer re-engagement deals to lapsed subscribers.

3. Share plans and family tiers

Many services offer family or group plans at a fraction of the per-person cost. Netflix, Spotify, Apple One, Google One, and Microsoft 365 all have multi-user tiers. Split with trusted family members and cut your per-person cost by 50-75%.

4. Time your cancellations around free trials and promotions

Services frequently offer discounted annual plans or free trial extensions, especially at the end of a billing cycle. Cancel, wait for a win-back offer, and resubscribe at a lower rate.

5. Switch to annual billing for services you definitely use

Annual plans typically cost 20-40% less than paying month-to-month. For services you use every day — like cloud storage or a productivity suite — switching to annual billing is an easy win.

Create a monthly budget → Budget Planner Build your emergency fund → Emergency Fund Calculator Calculate your net worth → Net Worth Calculator Set a savings goal → Savings Goal Calculator

This article contains affiliate links. We may earn a commission at no extra cost to you.