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What are your subscriptions really costing?

Combine monthly plans with easy-to-forget annual renewals. Then compare your current total with one realistic cancellation target—without creating an account or sending us your numbers.

Current cost + one change

Subscription total

Use the latest prices from your bank or card statement. Do not enter account numbers or other private details.

Privacy note: the math happens on this device. Values reset when you leave or refresh.

Current monthly equivalent$75.00
Current annual$900
Current five years$4,500
After possible cuts$55.00/month
Changed annual$660

$240 less per year
Canceling $20 per month changes the five-year estimate by $1,200.

Advertising helps keep this tool free. Ads, when available, do not affect the calculation.

The math, shown plainly

How this estimate works

Monthly equivalent

Monthly plans + (annual plans ÷ 12)

Longer views

Annual total = monthly equivalent × 12. Five-year total = monthly equivalent × 60. The calculator assumes prices and plans stay unchanged so you can compare consistent scenarios.

Worked example

If monthly plans total $65 and annual plans total $120, the annual plans add $10 per month. The combined monthly equivalent is $75, the annual estimate is $900, and the five-year estimate is $4,500. Canceling $20 per month would reduce that straight-line five-year estimate by $1,200.

What this calculator does not know

It cannot predict price increases, taxes, promotional periods, family-plan changes, foreign transaction fees, or services you add later. It also does not decide which plan is valuable to you. A subscription used every day may be a better fit than a cheaper one you never use.

Use the answer as a review list

  1. Open two or three months of card and bank activity.
  2. Write down every recurring charge, including app-store billing.
  3. Check annual renewals in email receipts and account settings.
  4. Mark each plan as keep, compare, pause, or cancel.
  5. Confirm cancellation inside the service and save the confirmation.

Sources and further help

Know your renewal rights.

For questions about free trials, automatic renewals, and difficult cancellations, use the consumer guidance from the U.S. Federal Trade Commission. Terms differ by service and location.

FTC: free trials and auto-renewalsRead our methodology

Common questions

Subscription calculator FAQ

How should I enter annual subscriptions?

Add the annual price of every once-a-year plan and enter the combined figure in “Annual plans total.” The calculator divides it by 12 so the annual and monthly plans can be viewed together.

Should I include subscriptions I share with someone?

Use only the portion your household actually pays if you want a household estimate. If you pay the full amount and others reimburse you, include only your net cost after dependable reimbursements.

Does the five-year number include investment growth or inflation?

No. It is a simple price-times-time comparison. It does not claim that canceling a plan will produce an investment return, and it does not predict future price increases.

Are my entries saved or sent to Everyday Totals?

No. This calculator runs locally in your browser. Everyday Totals does not receive the amounts you type.