Monthly Total
$
The True Cost of Your Subscriptions
A $12 subscription is easy to ignore. Five or six recurring charges are harder to judge without adding them up, especially when they renew on different days.
The calculator adds your monthly charges and shows what the same payments could grow to if invested. That comparison is useful, but it depends on the return you choose. It also assumes you invest the money every month instead of spending it elsewhere.
Edit the examples below or enter your own monthly costs.
Your Subscriptions
All calculations run locally in your browser. No data is sent anywhere.
Monthly Cost and Investment Comparison
The spending figures add up the subscriptions you have checked. The comparison figures show the future value of investing that same monthly amount at the selected return. They include the money contributed, so the difference between the two figures is the projected growth.
Yearly Total
$
10-Year Spending
$
10-Year Opportunity Cost
$
20-Year Spending
$
20-Year Opportunity Cost
$
30-Year Spending
$
30-Year Opportunity Cost
$
At a steady annual return, a single invested amount would roughly double in years, using the Rule of 72. Monthly deposits grow for different lengths of time, which is why the calculator adds them month by month. Actual returns will vary; fees, taxes, and inflation are excluded.
Put Your Numbers in Context
Your active subscriptions cost per month. That's per year.
If you invested that money instead for 30 years at : you'd have .
That assumes you keep investing the same amount for all 30 years and earn the selected return throughout. The spending total is certain if the prices stay fixed; the investment result is hypothetical.
Which Ones Would You Renew?
A subscription you use regularly may be worth its price. The useful question is whether you would sign up for it again today at the current rate.
Uncheck anything you would let expire. The monthly total tells you what you could free up; the investment figures show one possible use for it.
For the subscriptions you keep, checking the list once a year is usually enough to catch price increases and services you no longer use.