Subscription audit.

Annual subscriptions true cost calculator quantifies recurring spending. 5 subscriptions × 15/month average = 75/month = 900/year = 27,000 over 30 years. Invested at 7%: 85,000+ wealth. Most households underestimate subscription count and cumulative cost - average household has 8-12 active subscriptions.

Example: 5 subscriptions at 15 average = 75/month = 900/year. Over 30 years invested at 7%: 85,200. Many households have 10+ subscriptions (20+/month each = 200+/month, 2,400+/year). Subscription bloat: easy to add, easy to forget. Quarterly audit reveals 30-40% of subscriptions unused.

Common subscriptions: Netflix 11-18/month, Disney+ 8, Prime 8.99, Apple TV+ 8.99, Spotify 11, YouTube Premium 12, Apple One 19, Microsoft 365 8, Adobe Creative 30+, dropbox 8, gym 40, fitness app 10, news (FT, Times) 20, magazines 10, dating apps 15, meal kits 40+, beauty boxes 15+. Total: easy to hit 200-500/month if unmonitored. Reduction strategies: (1) Quarterly audit. (2) Cancel anything unused 3+ months. (3) Bundle services (Apple One, Disney bundle). (4) Use free alternatives (BBC iPlayer, library). (5) Family plans (Spotify Family 6 for 17 vs 6 × 11 = 66). Sustainable subscription budget: 5-10 services maximum.

Quick example

With subscription a monthly of 11 and subscription b monthly of 11 (plus subscription c monthly of 9 and subscription d monthly of 19), the result is 900.00. Change any figure and watch the output shift — it's often more useful to see the pattern than to memorise the formula.

Which inputs matter most

You enter Subscription A Monthly, Subscription B Monthly, Subscription C Monthly, Subscription D Monthly, and Subscription E Monthly. 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.

What's happening under the hood

Annual = sum of monthly subscriptions × 12. The formula is listed in full below. If the number looks off, you can retrace the calculation by hand — that's the point of showing the working.

Why see the number at all

Small recurring spending is invisible by design — every individual transaction is forgettable. Compounded over years, the total often surprises. Seeing the figure doesn't mean you typically need to cut the spending; it just makes the trade-off conscious.

What this doesn't capture

The tool prices the money; it can't weigh the enjoyment. A coffee habit, gym membership, or streaming bundle might cost what the math says but deliver value that's harder to quantify. Use the number to make the trade-off visible — the decision is yours.