Recurring Subscription Cost Calculator
Track your recurring subscriptions and see their annual and lifetime costs. Enter monthly subscription amounts to reveal how much you're spending over time.
What this calculator does
- 100% free, no signup — calculations run instantly in your browser.
- Results include a plain-English interpretation of what the numbers mean for your situation.
- All math happens locally — your data never leaves your device.
Subscription List
Cost Projection
How this calculation works
The "subscription creep" is real. A $9.99/month app you forgot about costs $120/year. This calculator shows you the cumulative impact of all your subscriptions over months and years.
Review your subscriptions every quarter. Keep only the ones you actively use — the rest are just draining your bank account in small amounts that add up fast.
How this Recurring Subscription Cost Calculator works — 2026 guide
"Subscription creep" is real: a $9.99/month app you forgot about quietly costs $119.88 a year, and the average US household now carries hundreds of dollars in monthly streaming, cloud, and app subscriptions. This recurring subscription cost calculator totals every monthly charge and projects its annual and 5-year cost — the number that actually motivates a cleanup. Enter your subscriptions once, see the yearly total, and decide which ones earn their place.
How to use it in 3 steps
- Add each subscription with its monthly cost (most apps show this on your billing page).
- Optionally mark how often you actually use each one.
- Read your total monthly cost, annual cost, and a 5-year projection that makes the math impossible to ignore.
Who this is for
Anyone who has lost track of small recurring charges, families consolidating streaming plans, and budgeters following the [cut recurring costs guide](/blog/simple-ways-to-cut-recurring-monthly-subscription-costs/). Use it next to the [monthly budget planner](/tools/monthly-budget-planner/) to see subscriptions inside your full spending picture.
Data sources & authoritative references
This calculator is built on official U.S. rules and published statistics. Key sources:
Frequently Asked Questions
How much does the average American spend on subscriptions?
Should I cancel subscriptions I rarely use?
How do I find all my subscriptions?
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Data Sources & Fact-Checking Methodology
✓ Audited for 2026 Tax Year- Standard formulas Amortization, compound interest, and retirement projection equations per finance practice.
- Public reference rates Savings/investment assumptions stated as planning estimates; no live market rates.
- Internal editorial Calculators reviewed by the AllMoneyCalc editorial team before publication.
All calculations are independently vetted by credentialed practitioners (IRS Enrolled Agent & CFA) against statutory primary sources: 26 U.S. Code § 1(j) (Tax Cuts and Jobs Act rates), IRS Rev. Proc. 2025-32, 29 CFR Part 541 (FLSA labor rules), and CFPB Regulation Z. Models undergo continuous automated verification against synthetic test cases.
Methodology and citations are maintained by the AllMoneyCalc editorial board. Educational tools only; verify specific personal filing situations with a qualified tax professional.