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Subscription cost calculator
Subscriptions are the quietest leak in most budgets: each one is small, they renew without asking, and nobody adds them up. Tap the common ones to start, add your own, and see the real monthly and yearly total, plus what that money would grow to if it were invested instead.
Tap to add the common ones
Why subscriptions leak
A subscription is priced to feel small on the day you sign up and then never asks again. Free trials convert silently. Annual plans renew on a date you did not write down. Two people in one household pay for the same service. None of these is a large amount, which is exactly why they survive: a $12 charge does not trigger the alarm a $144 bill would, and $144 is what it costs over the year.
Audit yours in fifteen minutes
- Pull three months of statements, bank and card, and search for anything that repeats. Include the app store, because in-app subscriptions hide there.
- List every one above, with the real monthly price. For annual plans, divide by twelve so they sit on the same footing.
- Sort them into three piles. Keep: you used it this week. Pause: you would miss it eventually but not this month. Cut: you had forgotten it existed.
- Cancel the cut pile today, before the next renewal, and put a reminder on the calendar a month before each annual plan renews.
- Move the saving somewhere visible. A standing transfer of the cut amount into savings or onto a debt turns the audit into a result you can see.
About the "invested instead" figure
The result shows what the monthly total would become if it were invested at 5% a year, compounded monthly, for ten years. It is an illustration of opportunity cost, not investment advice and not a prediction: markets do not pay a tidy 5% every year. The point is scale. $40 a month of unused subscriptions is not $40; over a decade it is the better part of six thousand dollars that could have been working for you.
Frequently asked questions
How do I enter an annual subscription?
Divide the annual price by twelve and enter the monthly figure. A $120 yearly plan is $10 a month. This keeps annual and monthly plans comparable in the totals.
What about subscriptions I share or split?
Enter only the share you pay. If a family plan costs $20 and two households split it, your line is $10. The audit is about your money, not the list price.
How often should I do this?
Twice a year is enough for most people, plus once whenever a free trial starts. Trials are where most forgotten subscriptions begin, so a calendar reminder for the day before a trial ends catches them at the source.
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From the blog
Catch the repeats automatically
Budget Planner imports your bank CSV, skips duplicates and shows twelve months of category trends, so a renewing charge stands out the month it appears. Easy Budget for Beginners offers recurring expenses monthly and never adds them silently.