How Much Do Your Subscriptions Really Cost?
Add your subscriptions below and see the real cost — monthly, annually, and per day. Most people are shocked by the total.
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How to Audit Your Subscription Spending
The average American spends $219 per month on subscriptions — and underestimates that number by $133. That gap represents over $1,500 per year in spending you don't even realize you're doing. A subscription audit closes that gap and puts you back in control of your money.
Subscription creep happens to everyone. A free trial converts to paid and you forget about it. You sign up for a streaming service for one show and keep paying months after you finished it. Small $5 and $10 charges add up silently because they never feel big enough to investigate. Before you know it, you're spending hundreds on services you barely use.
How to Use This Calculator
Start by listing every subscription you can think of. Type each service name into the search bar above — our database covers hundreds of popular services and will auto-fill pricing and category details. For services we don't recognize, enter the name and price manually.
Once you've added all your subscriptions, adjust the billing frequency for each one (monthly, yearly, or weekly) and hit “Calculate My Costs.” The calculator normalizes everything into monthly, annual, and daily views so you can see exactly what your subscriptions cost across different time horizons.
Categories People Commonly Overlook
Most people remember their big subscriptions — Netflix, Spotify, the gym. But audits consistently reveal forgotten charges in these categories:
- Cloud storage: iCloud, Google One, Dropbox — often set up years ago and forgotten
- SaaS tools: Password managers, VPNs, note-taking apps, and productivity tools
- Gaming: Xbox Game Pass, PlayStation Plus, Nintendo Switch Online, and in-game subscriptions
- News and media: Newspaper subscriptions, Patreon pledges, podcast memberships
- Health and fitness: Meditation apps, fitness trackers, meal planning services
Tips for Reducing Your Spend
After calculating your total, sort by cost and ask yourself three questions about each service: Do I use it weekly? Would I sign up again today at this price? Is there a free alternative that covers what I need? If the answer to all three is no, it's a strong candidate for cancellation. Browse our step-by-step cancel guides for instructions on how to cancel any service.
Look for overlap too. Paying for both Spotify and Apple Music? Both Hulu and YouTube TV? Consolidating similar services is one of the fastest ways to cut costs without losing functionality.
When to Consider a Full Analysis
This calculator is great for subscriptions you already know about. But if you suspect you're missing charges — or if your bank statement total never matches your mental math — consider a full AI-powered bank statement analysis. Substract scans your actual transactions and surfaces every recurring charge, including ones this calculator can't catch. It's a one-time $9.99 — no subscription required (ironic, we know).
For more tips on managing subscriptions and cutting costs, read our subscription management tips on the blog.