Subscription Cost Calculator: Your Real Monthly Total

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Quick answer

Add your subscriptions below, or tap them from the preset list, and this calculator shows your real monthly total, your yearly total, and an optional five-year view. It's free, there's no account, and it never asks for your bank. Your numbers stay in your browser unless you choose to email yourself the breakdown. Two minutes with your card statement open is all it takes.

Monthly prices are built for one moment: the day you sign up. $12.99 sounds like lunch. But a subscription isn't a purchase, it's a loop, and the honest unit for a loop is a year. Spotify Premium at $12.99 a month (its US price as of September 2026) is $155.88 a year. That's not lunch anymore. That's a number you'd sit with.

That reframe is the whole tool. Monthly prices rarely trigger the decision; yearly totals do, because a yearly total competes with real life: a flight, a car repair, a couple months of groceries. So add everything, including the small stuff. The small stuff is usually the surprise. The presets carry current US prices, verified September 5, 2026, and every one of them is editable.

The interactive subscription calculator loads here.

Your numbers stay in this browser tab. Nothing is stored or sent anywhere unless you use the email option below the result.

How to read your number

There's no correct total, and this page won't pretend there is one. A streamer, a gym membership, cloud storage, and a meal kit can be a perfectly deliberate $180 a month. The question isn't whether your number is high. It's whether you recognized every line, and whether each one would survive the question "would I sign up for this again today?"

For context, the published averages disagree with each other, and the disagreement is the useful part. Surveys that ask people what they spend come back around $90 a month (CNET's 2025 survey), with 2026 coverage of CNET's newer wave reporting $111. An audit of real statements found $219 a month against the $86 participants guessed (C+R Research, 2022).

That gap, between what people say and what statements show, is the whole reason this tool is worth two minutes. Every published figure, traced back to its primary source, lives on our subscription statistics page.

The five-year view exists for one specific decision: anything you're keeping "temporarily." A $19.99 plan carried for five years is $1,199.40. Five years is furniture territory. If a subscription can't survive being compared to a couch, it probably shouldn't survive your next audit either.

What most people find

The usual discovery isn't one giant charge. It's two or three small ones you'd stopped seeing: a trial that quietly converted, an app from a phone you replaced two phones ago, a service you're paying twice because you signed up once through the App Store and once on the web. None of that is carelessness. Auto-renew billing works precisely because it never checks in with you.

If a line in your total makes you squint, chase it. Our find all your subscriptions guide is the ten-minute statement method for surfacing everything, including charges that never appear in Apple's or Google's subscription lists.

Email yourself the breakdown

Under your result there's one optional field. The button reads "Email me my breakdown." It sends your list and your totals to your inbox, once. The consent line under it says exactly what we mean: "We'll send this one email and nothing else unless you say so."

Next to it sits a single checkbox: "Not on iPhone? Tell me when ReNood ships on Android." Check it and we'll email you when that day comes. That's the entire form. No newsletter you didn't ask for, and never a gate in front of your result.

The calculator answers today; ReNood is for every month after. It reads a statement screenshot and finds recurring charges without a bank login, puts every renewal on one timeline, and tells you before the next charge lands. If your total surprised you, that's the fix for staying unsurprised.

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FAQ

How much does the average person spend on subscriptions?

It depends on who's counting, and the counts disagree. Self-reported surveys land near $90 to $111 a month (CNET, 2025 and 2026). An audit of actual statements landed at $219 a month (C+R Research, 2022), far above the $86 participants guessed. The honest answer: people reliably underestimate. Our subscription statistics page lists every major figure with a link to its primary source.

Is this calculator free?

Yes. Free, no account, no sign-up, and your result is never held behind an email form. The email option below the result is optional and sends exactly one message: your own breakdown. It exists because a number you close the tab on is a number you've forgotten by Friday.

Do I need to connect my bank?

No. Nothing on this page touches a bank. You type amounts, or tap presets, and the math runs in your browser. For the most accurate total, keep your last two card statements open while you fill it in: the presets jog your memory, but your statement is the ground truth.

How accurate are the preset prices?

Presets are current US prices, verified against the sources in References as of September 5, 2026. They move often: at least nine streaming and music services raised US prices in 2026 as of late August, so we re-verify when hike news breaks. Your own bill always wins, since older plans and promo rates differ, and every preset is editable. The full log lives at streaming price increases.

This guide is educational, not financial or legal advice. Details change; check the linked sources for anything that matters to your situation.

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