Subscription Cost Calculator
See how much your subscriptions really cost per month, per year, and over 5 years. Most people underestimate their subscription spending.
Your Subscriptions
Subscription Cost Formula
Annual Cost = Monthly Total × 12
5-Year Cost = Monthly Total × 60
Add up every subscription you pay monthly. Multiply by 12 for the annual cost, or by 60 for the 5-year total. The calculator does this for you and shows all three timeframes at once.
Example
Three common subscriptions added together:
How to Interpret Your Result
The 5-year total is often the most surprising number. $56/month sounds small, but $3,389 over 5 years is a meaningful chunk of money. Use these figures to decide:
- Is each subscription worth its 5-year cost? If a $15/mo service gives you 2 hours of use per month, that's $7.50/hour — more than many streaming alternatives. Compare with cost per use thinking.
- Annual vs monthly billing: Many services offer a discount for annual payment. A $15/mo plan billed annually at $144 saves you $36/year. The calculator uses monthly figures, so convert annual plans to monthly equivalents (÷ 12).
- The "subscription creep" effect: Adding one $10/mo subscription feels trivial, but 5 of them cost $600/year. Review every 3-6 months.
Limitations
- No price increases modeled: Subscriptions often raise prices over time. The 5-year total assumes flat pricing — your real cost may be higher.
- No currency conversion: All amounts are in USD. If you pay in another currency, convert first.
- Forgotten subscriptions: The result is only as complete as your list. Check your bank statements for subscriptions you may have forgotten — most people underestimate their total.
Frequently Asked Questions
How do I calculate total subscription costs?
Add up all monthly subscription amounts, then multiply by 12 for yearly cost, or by 60 for 5-year cost. Our calculator does this automatically.
How much do people spend on subscriptions?
The average American spends $219/month on subscriptions, though most think they spend around $86. Reviewing subscriptions regularly can save hundreds per year.
How often should I review subscriptions?
Review every 3-6 months. Cancel unused ones, switch to annual plans for savings, and look for cheaper alternatives.