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How Much Do I Spend on Subscriptions?
Add every subscription at its monthly cost: divide yearly plans by 12 and multiply weekly ones by 4.35, then multiply the total by 12 for the year. Most people guess low. In a 2022 C+R Research survey, US adults estimated $86 a month but an itemised list came to $219. List yours above for the real figure.
How to Use the Subscription Calculator
- Pick your currency ($, £, €, Rs or ₹).
- Add each subscription with its price and how it's billed: weekly, monthly or yearly.
- Tag a category (streaming, software, fitness, cloud storage, news or other) to see where the money goes.
- Read your monthly, yearly and 5-year totals. Check your bank statement for anything you've forgotten.
How Subscription Costs Are Calculated
- Monthly plans are used as they are.
- Yearly plans ÷ 12 = monthly equivalent.
- Weekly plans × 4.348 (52.18 weeks ÷ 12 months). A flat × 4 would undercount by about 8%.
- Yearly total = monthly total × 12; 5-year total = yearly × 5.
Worked Example
| Subscription | Billed | Monthly equivalent |
|---|---|---|
| Netflix | $15.49 / month | $15.49 |
| Spotify | $11.99 / month | $11.99 |
| Amazon Prime | $139 / year | $11.58 |
| Gym | $10 / week | $43.48 |
| Total | $82.55 a month = $990.55 a year |
Over five years that's $4,952.73. The weekly gym fee looks smallest on the receipt but is the biggest cost here. Prices are examples; enter what you actually pay.
Why Subscriptions Are Easy to Underestimate
- Yearly renewals appear once a year, so they're easy to forget between charges.
- Free trials roll into paid plans automatically.
- Small amounts add up: five $10 services are $600 a year.
In the same C+R Research survey, 74% of people said it's easy to forget about recurring charges.
What to Do With Your Total
- Cancel what you haven't used in the last month, directly with each provider. This tool doesn't cancel anything.
- Switch services you keep to yearly billing if it's cheaper and you're sure you'll use them.
- Put the savings to work: see how a monthly amount grows with the savings goal calculator, or build it into a plan with the monthly budget calculator.
Other small habits worth pricing up: your daily coffee with the coffee cost calculator and your phone time with the screen time calculator. Your list stays in your browser and isn't uploaded anywhere.
Who Uses the Subscription Cost Calculator?
- Monthly money check: see every subscription in one list with its yearly cost.
- Cutting costs: find services you no longer use before the next renewal.
- Annual vs monthly plans: compare the yearly total of a monthly plan with the annual price.
How the Subscription Cost Calculator Saves You Time
Gathering prices from bank statements and converting weekly and yearly plans to monthly costs takes a long time with a calculator. Add each subscription once and the monthly and yearly totals update for you.
Frequently Asked Questions
How much does the average person spend on subscriptions?
How do I calculate my yearly subscription cost?
How do I find subscriptions I forgot about?
Why does the calculator multiply weekly prices by 4.348 and not 4?
Is a yearly subscription cheaper than monthly?
Is my subscription list saved or sent anywhere?
Last updated: September 2026