Subscription Cost Calculator (Monthly, Yearly & Opportunity Cost)
Total your monthly subscriptions by category and see the yearly cost, plus what that money would become if invested for a decade instead.
Per month
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Enter any amount
Per year
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If invested for 10 years
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Why subscriptions escape budgets
A $12.99 charge clears three tests that guard the rest of your spending: it's small, it's automatic, and it was approved once, long ago, by a version of you who intended to use it. Multiply by fifteen services across three cards and the category quietly rivals a car payment, without ever feeling like a decision.
The audit, in one afternoon
List every repeating charge from your last three months of statements (the calculator above gives the categories), then sort into three piles: keep, cancel, and downgrade. Most people find the cancel pile immediately; annual plans and price-crept services hide in the downgrade pile. The full walkthrough lives in our subscription audit guide.
Make the savings real
Canceling $60/month only helps if the $60 goes somewhere on purpose: a goal, a debt, an investment. Point it at the savings goal calculator or the compound interest calculator to give it a job. And when Stoia launches, its recurring-charge detection keeps the list current automatically, so the audit becomes a glance instead of an afternoon.
Frequently asked questions
How much does the average person spend on subscriptions?
Industry surveys have repeatedly found actual spending lands far above what people guess, often by $100+ per month once streaming, apps, memberships, and forgotten trials are totaled. The guess-then-total gap is the whole reason this calculator exists.
How do I find subscriptions I forgot about?
Scan 2–3 months of card and bank statements for repeating merchants, check your phone's subscription settings (both app stores keep a list), and search your email for 'receipt' and 'renewal'. Recurring charges hide across multiple cards, which is how they survive.
What's the 10-year investment number about?
Opportunity cost. Money spent monthly on unused subscriptions could compound instead: $50/month at a 7% average return is roughly $8,700 over a decade. It's not a prediction, it's a way to price the habit fairly.
Should I use a subscription-cancellation service?
Be careful: several charge their own subscription fee and request broad access to your accounts to do things you can do yourself in minutes. A list of your recurring charges plus one afternoon usually beats them.
Can an app track this for me automatically?
That's exactly what Stoia's recurring detection does: it finds repeating charges across your connected accounts, shows renewal dates, and flags price increases. This calculator is the manual version you can use today.
Does this calculator save my numbers?
No. Everything runs in your browser and disappears when you leave. Nothing is uploaded or stored.
Want this to update itself?
Stoia connects your real accounts and keeps the full picture current: net worth, budgets, and goals. Launching in 2026.