Enter up to six subscriptions with their billing cycle to find your true total cost.
Subscription Cost Calculator
Live| Total monthly cost | $77.47 |
| Total annual cost | $929.64 |
| 5-year projected cost | $4,648.20 |
The formula
Netflix $15.49/month + Adobe CC $599.88/year ($49.99/month equivalent) + Spotify $11.99/month: total = $77.47/month, $929.64/year, $4,648.20 over 5 years.
Step-by-step guide
- Enter each subscription's name, cost, and billing cycle (monthly, annual, or weekly).
- Read your true total - monthly, annual, and projected over 5 years.
Why the 5-year number often comes as a surprise
Subscription pricing is designed to be evaluated one charge at a time - a $10 or $15 monthly fee feels trivial in isolation, which is exactly why it's easy to accumulate many of them without noticing the combined total. Multiplying even a modest combined monthly total out to a 5-year horizon reframes the same numbers in a way that's harder to dismiss: the same subscriptions that feel individually insignificant can add up to several thousand dollars over a few years, money that could otherwise go toward savings, debt payoff, or other goals.
Common mistakes
Frequently asked questions
What's the best way to find all my active subscriptions?
Scanning 2-3 months of bank or credit card statements for recurring charges is typically more reliable than trying to recall subscriptions from memory, since forgotten trials and rarely-used services are easy to miss otherwise.
Is annual billing usually cheaper than monthly?
Often yes - many services offer a discount (commonly 10-20%) for paying annually upfront compared to the monthly rate, though this means committing more cash at once rather than spreading payments out.
How many subscriptions can I add?
This calculator handles six at once - for more, calculate in batches and add the monthly totals together for your complete picture.
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