What do your subscriptions really cost?
One slider: what your subscriptions add up to per month. The result is the number nobody calculates before signing up.
- No signup
- Nothing tracked
- Numbers stay on your screen
- Checked September 2026
Most people who actually add it up land between €40 and €120 a month, and are surprised. If cancelling it takes an action, it belongs in the number.
€60 a month is €3,600 over five years, about 2 holidays.
Saved instead at a modest 5%, the same money would be about €4,080 after five years. The comparison should exist before a renewal, not after five years of them.
Subscriptions are priced to be judged one month at a time. This page judges them by the year.
How it is worked out
Subscription cost calculator: how the year adds up
Subscriptions are engineered to be judged one month at a time; €12.99 sounds like nothing, five of them are a holiday every year. Finding them all is usually the most profitable ten minutes in personal finance, which is why subscriptions are one of the five numbers in Gen Finance: listed once, confirmed each payday, impossible to forget about again.
Common questions
- What counts as a subscription?
- Anything that charges you without asking again: streaming, music, cloud storage, apps, gym, phone insurance, delivery memberships, premium tiers you tried once. If cancelling it requires an action, it belongs on the list.
- Is the 5% investing comparison realistic?
- It’s a deliberately modest illustration; real returns vary and aren’t guaranteed. The point isn’t precision, it’s that recurring money has a compounding alternative, and the comparison should exist before a renewal, not after five years of them.
- Why use a subscription cost calculator? I know what I pay.
- Almost nobody does, and it isn’t carelessness. The charges sit across two cards and a phone bill, they renew on different days of the month, and every one of them was individually forgettable at the moment you agreed to it. Putting the monthly total in a single box is the entire trick; the yearly figure underneath it is usually the part that changes behaviour.
- How do I find them all?
- Read three months of statements, not one: annual renewals hide outside any single month, and they are the expensive ones. Then open the subscriptions list in your phone’s app store, which holds the charges that never appear on a bank statement under a name you would recognise. Twenty minutes, once a year.