Subscription Audit Calculator
What your recurring subscriptions really cost per year.
Enter your values
Enter the monthly subscriptions total in $.
Enter the annual subscriptions total in $.
Enter the monthly amount you could cancel in $.
Enter the investment return if saved in %.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Annual subscription spend
- $1,036.00
- Ten-year cost
- $10,360.00
- Saved per year by cancelling
- $300.00
- That saving invested 10 yrs
- $4,144.93
Quick answer
Annual subscription cost is monthly charges times twelve plus yearly charges — usually far higher than people expect.
annual = monthly x 12 + yearly charges
At a glance
| What it does | What your recurring subscriptions really cost per year. |
|---|---|
| Category | Finance |
| Inputs needed | Monthly subscriptions total, Annual subscriptions total, Monthly amount you could cancel, Investment return if saved |
| Main output | Annual subscription spend |
| Formula | annual = monthly x 12 + yearly charges |
| Cost | Free — no sign-up, no download |
How to use the Subscription Audit Calculator
- 1Scan your last three bank statements for recurring charges.
- 2Enter monthly and annual totals separately.
- 3Cancel anything unused for 60 days and redirect the money.
Inputs explained
- Monthly subscriptions total($)
- Enter the monthly subscriptions total in $.
- Annual subscriptions total($)
- Enter the annual subscriptions total in $.
- Monthly amount you could cancel($)
- Enter the monthly amount you could cancel in $.
- Investment return if saved(%)
- Enter the investment return if saved in %.
Worked example
Using the values the calculator loads with:
Inputs
- Monthly subscriptions total68 $
- Annual subscriptions total220 $
- Monthly amount you could cancel25 $
- Investment return if saved7 %
Results
- Annual subscription spend$1,036.00
- Ten-year cost$10,360.00
- Saved per year by cancelling$300.00
- That saving invested 10 yrs$4,144.93
Frequently asked questions
Why does this feel so high?
Small monthly charges are individually invisible but add up to a large annual number.
Annual or monthly billing?
Annual usually saves 15-20% on services you are certain to keep.
What do I need to enter into the Subscription Audit Calculator?
Just 4 values: monthly subscriptions total, annual subscriptions total, monthly amount you could cancel, investment return if saved. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Subscription Audit Calculator work out the answer?
Annual subscription cost is monthly charges times twelve plus yearly charges — usually far higher than people expect. It applies the formula annual = monthly x 12 + yearly charges and shows the working so you can check each step by hand.
Is the Subscription Audit Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.