Subscription Cost Calculator
Add up all your subscriptions and see what they cost over a year and over five years.
Last updated · View algorithm, constants and default inputs (JSON)
About this calculator
Estimate subscription spending and the share you say you rarely use. The investment comparison assumes that unused-subscription spending is invested once per year at your entered return, at year-end. It is a hypothetical scenario, not a forecast, and excludes taxes, fees and changing prices.
Worked example
calculated with the default values below
Number of subscriptions 6 · Average monthly cost each 14.99 $ · Share you rarely use 30 % · Assumed annual return (scenario) 7 % · Years to project 5 years Monthly cost 89.94 $ · Yearly cost 1,079.28 $ · Spent on rarely used services 323.78 $ · Total over the period 5,396.40 $ · Value of unused share if invested 1,862.00 $ · Potential investment growth 243.08 $
General background references
Disclaimer
These calculators give general estimates. Sizing, pricing, availability and standards vary by brand, retailer and country, so treat the output as a starting point and confirm it against the seller's or authority's own figures.
Implementation source
This record describes the implementation used by this page. It is not independent validation. External references, when available, support only the stated formula or definition; estimates and custom rules retain their own assumptions.
Formula and variables
FV = 12np × (((1 + r)^t − 1) ÷ r)
- n
- Number of subscriptions
- p
- Average monthly cost each
- r
- Annual return rate (decimal)
- t
- Number of years
- FV
- Value if invested instead
Unused annual spend = subscription cost × entered unused share. Hypothetical investment value compounds annual contributions made at year-end at the entered return; it does not project actual returns.
Frequently asked questions
How is the investment scenario modeled?
It assumes the amount you mark as rarely used is invested at the end of each year for the selected period, using your assumed annual return. It is hypothetical, not a forecast, and excludes fees, taxes and price changes. Past performance does not predict future results; see the [SEC Investor Bulletin](https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins-47).