Subscription cost calculator: total monthly and annual spend across all your subscriptions and spot the costliest ones. Free, editable rates, no signup.
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Five subscriptions monthly
What this means for your numbers: The worked example's $71.95/month compounds to $863/year. Canceling just the $29.99 item cuts the annual total by 42%.
Illustrative breakdown using the worked example above. The calculator computes your own numbers with the same formula.
A worked example with real prices
Say you enter five typical monthly charges: $15.99 for a streaming plan, $11.99 for a music plan, $9.99 for cloud storage, $4.99 for a news app, and $0 for the last box you leave empty. The calculator sums the five fields first: 15.99 + 11.99 + 9.99 + 4.99 = $42.96 per month. That total is the only number that drives everything else.
The yearly figure is just the monthly total times 12: 42.96 x 12 = $515.52. The five-year line multiplies that annual figure by 5: 515.52 x 5 = $2,577.60. Note that the five-year projection assumes prices never rise and you never cancel, so treat it as a floor, not a forecast. A quick sanity check on the arithmetic: 43 x 12 is 516, so $515.52 is plausible for $42.96/month.
The empty field matters less than people expect. The script converts every box to a number, and a blank box becomes 0, so leaving s5 empty is identical to entering 0. But if you typed your own 0 in all five boxes, the total would be 0 or less, and the tool shows its check-the-inputs message instead of a $0.00 result. At least one field must hold an amount above zero.
What the monthly model misses
The tool assumes every subscription is billed monthly at a fixed rate. Annual plans break that assumption: a $95/year software plan is really $7.92/month, not $95 in one month. If you enter the full $95 as s1, your monthly total inflates by $87.08 and the yearly result overstates true cost by roughly $1,045. Convert annual prices to their monthly equivalent (divide by 12) before entering them.
Trials and tier switches are another gap. A $19.99 plan you cancel after two months costs $39.98 that year, but the tool books it at $239.88. Likewise, family plans shared across households: your share of a $22.99 family plan split four ways is $5.75/month, not the headline price. Enter what you actually pay, not what the plan charges.
Price creep is the practical reason audits find 2 to 3 unused subscriptions. Streaming services alone have raised base prices repeatedly, with typical hikes of $1 to $5 per tier. If your entered total is $42.96/month and one service adds $3, the five-year figure jumps by 3 x 12 x 5 = $180. Rerun the calculator whenever any bill changes; the numbers here are only as current as your last check.
