Subscription Cost Calculator

Toggle on the subscriptions you pay for and see the shocking total — monthly, yearly, and over 5 years.

The average American spends over $200/month on subscriptions. How do you compare?

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The Hidden Cost of Subscriptions

Subscriptions are designed to feel small — $9.99 here, $14.99 there. But they add up fast. The average American household spends over $200 per month on subscriptions, which is $2,400+ per year.

What makes subscriptions dangerous is "subscription creep" — gradually adding services without canceling old ones. Many people don't realize how much they're spending until they add it all up.

Tips to Reduce Subscription Costs

  • • Audit all subscriptions quarterly — cancel what you don't actively use
  • • Rotate streaming services instead of paying for all at once
  • • Look for annual plans — they're often 15-20% cheaper
  • • Share family plans where allowed
  • • Use free tiers (Spotify Free, Hulu with ads) when possible
  • • Set calendar reminders before free trials end

The "Latte Factor" of Subscriptions: If you saved $100/month on subscriptions and invested it at 7% annual return, you'd have $7,159 in 5 years and $17,308 in 10 years.

Frequently Asked Questions

How much does the average person spend on subscriptions?

The average American spends about $219 per month on subscriptions, though many people underestimate their spending by 2-3x. This includes streaming, software, gym, meal kits, and other recurring charges.

What subscriptions should I cancel first?

Start by canceling subscriptions you haven't used in the past 30 days. Then look at overlapping services. Finally, consider downgrading premium tiers you don't fully utilize.

How can I track all my subscriptions?

Use a budgeting app like EnvelopeBudget to categorize and track recurring charges. You can also check your bank and credit card statements, or use your phone's built-in subscription management.

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