Total monthly and annual cost of your stack of recurring subscriptions.

Eight common subscriptions at 15 each monthly is 120 monthly, 1,440 annually, 14,400 over a decade — and that's flat-rate with no inflation. Each one seemed small; the stack is substantial. Most households can cut 20-40% by auditing this list honestly: which are actually used?

How to use it

Enter monthly prices for up to eight subscriptions. Leave unused slots at zero. Anything recurring that bills monthly counts — streaming, software, gym, mobile, news, cloud storage, subscription boxes.

What the result means

Primary is monthly total. Secondary shows annual total and 10-year lifetime cost. The 10-year figure is honest but not realistic — most subscriptions rise with time, so the real number is higher.

Why this tool matters

Auto-renewing subscriptions are invisible until auditeled. Most households have 2-3 they don't use, and 1-2 they'd cancel if asked directly. This tool forces the full list into one number, which changes how the individual line items feel.

A worked example

Try the defaults: subscription 1 of 15, subscription 2 of 15, subscription 3 of 15, subscription 4 of 15. The tool returns 120.00. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.

What moves the number most

The result responds to Subscription 1, Subscription 2, Subscription 3, Subscription 4, and Subscription 5. Frequency and unit price pull the total in different directions. The biggest surprise for most people is how small recurring amounts compound into large annual figures — that's where this calculation earns its keep.

The formula behind this

Simple sum of eight inputs. Annual is monthly × 12; 10-year is monthly × 120. Does not model price inflation — real 10-year totals are typically 15-25% higher than flat-rate. Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.

Making this stick

The number the tool produces is only useful if you act on it. The simplest habit that works: automate the savings transfer on payday, then spend what's left. Everyone who's told you "pay yourself first" was right; the math here is what makes the first number concrete.

What this doesn't capture

Budgets are snapshots of intent. Real spending includes irregular costs: birthdays, one-off repairs, the occasional bad week. Tracking actual spending for a month before fixing any budget usually reveals 10–20% that didn't make the original plan.