Add up every subscription you pay for — Netflix, Spotify, gym, software, apps — and see the real monthly, yearly, and 5-year cost. Most people find $50-200/month they forgot about.
Tap the ones you pay for. Pre-filled with 2026 prices — edit if yours differs.
Add, edit, or remove rows. Use the period dropdown for annual (÷12), quarterly (÷3), or weekly (×4.33) billing.
The average US household spends about $219/month on subscriptions (Domo 2024 data), up from $161/month in 2018. Streaming, music, software, gym, news, and gaming drive most of it. The most-forgotten categories: domain renewals, app store subs, cloud storage, and free trials that converted to paid 6+ months ago.
Under 5% of take-home pay is comfortable. 5-10% is manageable but worth a quarterly audit. Over 10% is the danger zone — that's typically $500+/month on a $5,000 take-home pay. The calculator's percentage verdict tells you where you stand.
Three fast ways: (1) Open your last 3 months of credit-card statements and search for any recurring charge under $20 (most forgotten subs are small). (2) Go to Settings → Subscriptions on your iPhone or Google Play to see active app subs. (3) Search your email for "receipt" or "invoice" or "subscription renewed" to find auto-renewals you forgot about. The hidden-subscription box above lists 12 commonly-forgotten charges to look for.
Yes, usually 10-20% cheaper than paying monthly. The trade-off: you pay a lump sum upfront, so the cash flow hit is bigger. The calculator converts annual subs to monthly equivalents so you can compare total cost fairly. Pro tip: pay annual subs only with money you've already budgeted — never with credit card debt.
Run the "use frequency × cost" test. If you use it less than once a month and it costs more than $5/mo, cancel. If you use it weekly and it costs $5/mo, keep. The break-even for most streaming services is 2 hours of use per month — anything less and you'd be better off buying a single movie or album.
A subscription audit is a 30-minute review of every recurring charge on your credit card and bank statement. The goal: (a) cancel anything you haven't used in 30+ days, (b) downgrade premium plans to free tiers, and (c) switch annual subs to monthly to spread out the cash flow. Most people find $50-200/month in savings.
Disclaimer: This calculator is a guideline, not financial advice. The hidden-subscription list is not exhaustive — review your own statements for accuracy. Subscription prices shown are 2026 list prices for the US market; your actual cost may differ with promotions, regional pricing, or family plans.