Subscription Cost Calculator
Tap your services, fix the prices to match your bills — and meet the real yearly number. Then tick what you'd cancel and watch the savings.
Tap the ones you pay for — prices are editable defaults, set them to what your bill says.
Spotted a mistake or have an idea? — errors get fixed and credited publicly.
Last reviewed: July 20, 2026 · Formulas verified by automated tests before every release.
How much are my subscriptions really costing me?
Most people guess low — in one widely cited survey the average guess was $86 a month while the real figure was $219, about 2.5× more. List yours above (prices are editable), and the calculator shows your true monthly and yearly totals instantly — plus what cancelling any of them would save. Your list never leaves this browser.
The no-login subscription tracker
Subscription-tracking apps want your bank login to hunt recurring charges for you. That trade — your entire transaction history for a list you can write in two minutes — is exactly backwards. Here the tracking is manual on purpose: tap the services you recognise, add the odd ones by hand, and the totals are yours without an account, an email, or a single byte leaving the page. The two minutes are also the point — typing each name is how you remember the ones you'd forgotten.
Why the yearly number shocks
Subscriptions are priced to feel small: $9.99 is a sandwich, $15.49 is nothing. But monthly prices are a framing trick — nobody sells you a $186-a-year sandwich. Multiply the whole list by twelve and the polite monthly trickle becomes a number you'd actually negotiate about. That yearly figure is the honest price of your current lineup — and the checkbox next to each row shows what walking away from any of them is worth per year.
Turn a cancelled subscription into something
Cancelling $30 a month feels minor until you give the money a destination. Route it into a savings goal and it's $360 a year toward something named; let it ride in the compound interest calculator at 7% and a decade turns it into roughly $5,200. The subscriptions were the easy part — what the freed money does next is the actual win.
Sources, assumptions and limitations
- Assumptions: Preset prices are editable US defaults, not live pricing — set each to what your bill says.Yearly = monthly total × 12; weekly billing is converted at 52 weeks per year.Savings figures assume you actually cancel — no proration or refund math is modelled.Nothing you enter is stored or transmitted; the list exists only in this tab.
- Sources:
- Last reviewed: by the CalcNotebook team
Frequently asked questions
How much does the average person spend on subscriptions?
Surveys consistently find a large gap between guess and reality: in a widely cited C+R Research study, people estimated about $86 a month while their actual average was $219 — roughly 2.5× more. Your own number is one honest list away.
How do I find subscriptions I forgot about?
Scan three places: your bank and card statements for the last 60 days (search for 'recurring'), your phone's subscription screen (App Store or Google Play → Subscriptions), and your email for the words 'receipt' or 'renewal'. Add everything you find to the list above — forgotten ones are usually the first to cancel.
What should I cancel first?
Sort by the yearly column, then apply one honest question to the top three: 'when did I last use this?' Anything unused in 60 days is a strong candidate. Tick the checkbox next to it above to see exactly what cancelling saves per year before you commit.
Do you store my subscription list?
No. The list lives only in this browser tab and disappears when you close it. Nothing you type is uploaded, saved or shared — this is a calculator, not an account.
Are the preset prices accurate?
They're editable defaults for the most common US plans, not live pricing — services change prices and everyone's plan differs. Set each price to what your bill actually says; the math updates instantly.