List your streaming, music, cloud and app subscriptions — in any mix of weekly, monthly, quarterly or yearly billing — and see the true monthly, yearly and five-year cost.
Every price you enter is converted to a monthly figure: weekly prices are multiplied by 52/12, quarterly prices divided by 3 and yearly prices divided by 12. The monthly figures are then added together.
Monthly total = sum of (price × billing-cycle factor). Yearly = monthly × 12.
The five-year figure is simply your current monthly total over 60 months. Real spending is usually higher, because subscription prices tend to rise over time.
A widely cited C+R Research study found US consumers spend an average of about $219 per month on subscriptions, while guessing they spend only $86 — underestimating by roughly 2.5×. Most people who list everything here find more than they expected.
Subscription creep is the slow build-up of recurring charges: each service looks small on its own, prices rise a little each year, and forgotten free trials convert to paid plans — so total spending grows without any single decision to spend more.
Scan two or three months of bank and card statements for repeating charges, check the subscription pages of your Apple and Google accounts, review PayPal automatic payments, and search your email for words like “receipt”, “renewal” and “subscription”.
Every price is converted to a monthly figure — weekly × 52/12, quarterly ÷ 3, yearly ÷ 12 — then the monthly figures are added together. The yearly cost is the monthly total × 12.
No. The calculation runs entirely in your browser. Nothing you type is sent to a server or saved after you close the page.
Cancel directly in the service’s account settings, or through the Apple or Google subscription pages if you subscribed through an app store. Subscription-management apps can also find and cancel recurring charges for you.
Subscriptions are designed to feel small. $11.99 here, $17.99 there — no single charge feels like a decision worth agonising over. But recurring charges are the only purchases you keep making without deciding to, and that is exactly why they drift upwards. Streaming services have raised prices almost every year, free trials quietly convert, and annual renewals go through on cards you forgot were on file.
Seeing the total changes behaviour. When C+R Research asked consumers to guess their monthly subscription spend, the average guess was $86; the average reality was about $219 per month — over $2,600 a year. The gap is the creep. This calculator exists to close that gap in about two minutes, with nothing to install and no account to create.
Netflix at $17.99/month, Spotify at $11.99/month and Amazon Prime at $139/year add up to $41.56 a month — about $498.76 a year, or nearly $2,494 over five years. And that is only three services.
If you would rather not do the hunting yourself, subscription-management apps such as Rocket Money and Trim connect to your bank account, list every recurring charge and can cancel unwanted ones for you. They are convenient, but the manual statement scan above finds the same charges for free.
This calculator is a planning aid, not financial advice. Preset prices are typical US rates at the time of writing and change often — always edit them to match what you actually pay.