Subscription Cost Calculator
Add all your subscriptions and see the real yearly cost — most people are shocked. Average person wastes $2,000+/year on unused services.
Why subscriptions are easy to lose track of
Subscription businesses are designed to be forgettable. Small charges — $4.99 here, $14.99 there — don't trigger the same mental alarm as a $200 purchase, even though the monthly total is often much higher. And with annual billing, free trials, and multiple payment methods, most people genuinely can't name every subscription they're paying for.
How to use this calculator
- Add each subscription with the monthly cost (convert annual to monthly by dividing by 12)
- See your total monthly, yearly, and 5-year costs instantly
- The chart shows your biggest expenses — those are the best targets to cut
- Remove anything you haven't used in the past month
Which subscriptions to cut first
- Duplicates — Two music streaming services, two cloud storage plans
- Unused trials — Anything you signed up for and forgot
- Low-use services — Anything you've used less than twice this month
- Annual auto-renewals — Check what's renewing in the next 30 days
Frequently Asked Questions
How much does the average person spend on subscriptions?+
Studies show $200-350/month on average, but most people underestimate by 40-80%. The typical person has 12+ active subscriptions, many forgotten or rarely used.
What subscriptions do people commonly forget?+
Annual renewals (domains, software, VPNs), free trials that converted, old gaming subscriptions, fitness apps, news sites, cloud storage, and apps used once and never cancelled.
How can I find all my subscriptions?+
Check bank and credit card statements for the past 12 months and look for recurring charges. Finlingo detects subscriptions automatically by analyzing your transactions.
Which subscriptions are worth keeping?+
Keep any subscription you used at least twice in the past month. Cancel anything used less than once a month. For seasonal use, cancel and re-subscribe when the season starts.
How much could I save by cutting subscriptions?+
The average person saves $150-250/month by auditing subscriptions — $1,800-3,000/year.
Related tools & guides
Finlingo finds subscriptions you forgot about
Connect your account and Finlingo automatically detects every recurring charge — including ones you didn't add to this calculator.
Find Your Hidden Subscriptions