Subscription Cost Calculator

Add up what your streaming, apps and memberships really cost over a year. Enter monthly and yearly subscriptions below — the calculator shows the annual total, the monthly average, and what that money could grow to if invested instead.

Add your subscriptions, then press Calculate yearly cost.

The math behind it

Every subscription is converted to a yearly figure, then summed. Monthly plans are multiplied by 12; yearly plans are counted once:

annual cost = Σ (monthly subs × 12) + Σ (yearly subs) monthly average = annual cost ÷ 12

Worked example

Three subscriptions — a $15.49/month streaming plan, a $9.99/month music plan and a $119/year membership:

Streaming: 15.49 × 12 = $185.88/year.
Music: 9.99 × 12 = $119.88/year.
Membership: $119/year.
Total: 185.88 + 119.88 + 119 = $424.76/year, about $35.40/month.

Trimming recurring costs

MoveTypical saving
Switch a kept service to annual billing10–20% vs monthly
Cancel a service unused for 60+ days100% of that line
Share a family plan instead of solo plansOften 40–60% per person
Rotate streaming services seasonallyPay only when watching
Know your rights: US rules require services to make cancelling as easy as signing up and to get consent before charging after a free trial. The FTC explains this in its guidance on negative-option and subscription cancellation.

Frequently asked questions

How do I work out the yearly cost of my subscriptions?

Multiply each monthly subscription by 12, add any subscriptions you already pay yearly, and sum them. This calculator does that for a list of services and shows the annual total and monthly average.

Why do small subscriptions add up so much?

Because they repeat. A $12.99 monthly app is about $156 a year; four or five such services quietly become $700 to $900 a year. Seeing the annual figure makes it easier to decide what is worth keeping.

Should I switch to yearly billing?

Yearly plans are often 10 to 20 percent cheaper than paying monthly, so for services you are sure to keep, annual billing usually saves money. For things you might cancel soon, monthly keeps you flexible.

What does the invested figure mean?

It shows what your annual subscription spend could grow to if invested each year for 10 years at a 7 percent return — an illustration of opportunity cost, not a recommendation to cancel everything.

MB
Mustafa Bilgic · Editor, Calcool
All math runs in your browser; the invested illustration assumes a 7% annual return over 10 years and is not a guarantee. Cancellation-rights note draws on FTC guidance. General education, not financial advice. Last updated 25 June 2026.

Related calculators

📊 50/30/20 Budget Rule🎯 Savings Goal Calculator🧮 Net Worth Calculator📈 Investment Calculator💸 Inflation Calculator🛟 Emergency Fund Calculator