Subscription Cost Calculator

List everything you're subscribed to. We'll show you the monthly bleed, the 10-year total, and what that money could have become instead.

Streaming, music, cloud storage, apps, gym, deliveries, software — all of them. Enter the price and how it's billed.

Why subscriptions feel cheap and cost a fortune

Subscription pricing is engineered to be evaluated monthly and forgotten. $8.99 here, $12.99 there — each one is a coffee. But subscriptions don't behave like coffees: they recur silently, they creep upward (streaming services have raised prices almost yearly), and they stack. The honest unit for a subscription is not its monthly price but its decade price — and this calculator shows you that number for your real list.

The audit that actually works

  1. List from your bank statement, not memory. Scan the last two months of transactions — the forgotten ones are the point.
  2. Sort by yearly cost. The table above does this — the biggest line is rarely the one people guess.
  3. Apply the re-subscribe test. If it vanished today, would you sign up again at full price? No = cancel.
  4. Put the freed money to work. Redirect it at a debt, a savings goal, or your emergency fund — otherwise it just evaporates into general spending.

For the software you keep: there's a growing category of apps you can simply buy once — see our SaaS vs. ownership simulator for what renting software costs against owning it, and why we don't do subscriptions for the philosophy.

One subscription you can cancel: your budgeting app's

It takes a special irony to pay $109/year for software that tells you to spend less. Zeroed is envelope budgeting you buy once — it will happily track the subscriptions you keep, without being one.

Try Zeroed Free for 34 Days $19.99 once at the founder price (until 14 Feb 2027, then $39.99). No card needed for the trial.

Frequently asked questions

How much does the average person spend on subscriptions?

Surveys repeatedly find people underestimate their subscription spend by 2–3×. Most people who list everything — streaming, music, cloud storage, apps, gym, delivery memberships, software — land somewhere between $50 and $250 per month. The 10-year figure is usually the shock: $100/month is $12,000 a decade, before any price rises.

What does "opportunity cost" mean in the results?

It is what the same money could have grown to if invested instead — this calculator assumes a 5% average annual return, compounded monthly. It is an illustration of scale, not financial advice or a prediction.

Which subscriptions should I cancel first?

Sort by the yearly figure, not the monthly one — $12.99/month reads as trivial until you see $155.88/year. Then ask of each: did I use this in the last 30 days, and would I sign up again today at this price? Anything that fails both is a cancel.

Is my subscription list stored anywhere?

No. The list is processed entirely in your browser and disappears when you close the page. Nothing is uploaded.

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