Paste or type your subscriptions with their price and billing period. The calculator converts weekly, monthly and yearly plans to one monthly figure, shows the yearly, 5-year and 10-year totals, ranks them, and shows how much the same money could grow to if you invested it instead.
Last updated:
Your subscriptions
Billing period can be daily, weekly, every 2 weeks, monthly, quarterly, every 6 months or yearly. No period = monthly.
Compare with investing
% / yr
Long-run average you could earn instead, before inflation.
years
Enter your values to see the result.
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How to use the Subscription Cost Calculator
List your subscriptions, one per line, as name, price, billing period (for example Music, 11.99, monthly).
Check your bank and card statements for charges you forgot: app stores, cloud storage, memberships and free trials that converted.
Set an investment return and period to see what the same money could become if invested.
Read the monthly and yearly totals and the ranked table to see which subscriptions cost the most.
Download the table as CSV or copy the results to keep a record of your subscription audit.
How subscription costs add up
Each subscription is first converted to a monthly equivalent so plans with different billing periods can be added together:
Billing period
Monthly equivalent
Yearly cost
Example: price 10
Daily
price × 365 ÷ 12
price × 365
304.17 / mo
Weekly
price × 52 ÷ 12
price × 52
43.33 / mo
Every 2 weeks
price × 26 ÷ 12
price × 26
21.67 / mo
Monthly
price
price × 12
10.00 / mo
Quarterly
price ÷ 3
price × 4
3.33 / mo
Every 6 months
price ÷ 6
price × 2
1.67 / mo
Yearly
price ÷ 12
price
0.83 / mo
The yearly total is the monthly total × 12, and the 5- and 10-year totals simply multiply that by the number of years (assuming prices stay the same; in practice many services raise prices over time).
The cost of a subscription if invested instead
The "if invested" figure is the future value of a monthly deposit equal to your subscription total:
FV = PMT × ((1 + r)n − 1) ÷ r
where PMT is the monthly total, r = (1 + annual return)1/12 − 1 is the monthly rate and n is the number of months. Here is what a fixed monthly amount grows to at a 7% yearly return:
Monthly amount
Spent in 10 years
Invested 10 years
Invested 20 years
Invested 30 years
$10
$1,200
$1,711
$5,075
$11,695
$25
$3,000
$4,276
$12,688
$29,236
$50
$6,000
$8,553
$25,377
$58,473
$100
$12,000
$17,105
$50,754
$116,945
$200
$24,000
$34,210
$101,507
$233,891
Tips for a subscription audit
Keep what you use weekly. If you haven't opened a service in a month, pause or cancel it; most can be restarted any time.
Rotate streaming services instead of paying for all of them at once.
Switch to yearly billing only for services you are sure to keep for the full year.
How do I calculate the total cost of my subscriptions?
Convert every subscription to the same period and add them up. A weekly charge × 52 ÷ 12 gives the monthly cost, a yearly charge ÷ 12 gives the monthly cost, and a quarterly charge ÷ 3. Multiply the monthly total by 12 for the yearly cost. This calculator does all of that for a pasted list.
Why is a weekly charge not just multiplied by 4?
A month has about 4.33 weeks, not 4. There are 52 weeks in a year, so a weekly price × 52 ÷ 12 is the accurate monthly average. Multiplying by 4 underestimates a weekly subscription by about 8%.
How is the 'if invested instead' value calculated?
It treats your monthly subscription total as a monthly deposit into an investment that earns the annual return you enter, compounded monthly: FV = PMT × ((1 + r)^n − 1) ÷ r, where r is the monthly rate (1 + annual)^(1/12) − 1 and n is the number of months. It is an illustration, not a forecast; real returns vary and are not guaranteed.
Is a yearly plan cheaper than paying monthly?
Usually. Many services price an annual plan at roughly 10 to 20 months' worth of fees. Enter both prices (for example 12.99 monthly and 129.99 yearly) on two lines to compare their monthly equivalents, then delete the one you don't choose.
How can I find subscriptions I forgot about?
Scan the last two or three months of bank and credit card statements for repeating charges, check the subscription pages of your phone's app store, and search your email for words like receipt, renewal and trial. Small charges such as cloud storage or app unlocks are easy to miss.
Are my subscriptions saved or uploaded?
No. The list stays in your browser. It is remembered on this device only so the page shows your last list when you come back, and you can clear it with Reset.
Are all the tools on FreeToolCabin tested for quality and accuracy?
Yes! Every tool on our site undergoes automated Q/A testing in real browser environments to ensure high precision, correct output, and zero errors. If you happen to spot a bug or have a suggestion, please contact us at [email protected] and our team will review it right away.