Recurring Subscription Cost Calculator

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

1. Add each subscription with its monthly cost (most apps show this on your billing page).
2. Optionally mark how often you actually use each one.
3. 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:

• BLS — Consumer Expenditure Survey (recreation spending)