Interactive financial tool
Subscription Cost Calculator
See how recurring subscriptions add up over a month, a year, and five years. Select services to remove and compare the possible cost reduction without assuming investment returns.
This tool runs in your browser. Entries are not saved or sent to a Moneyera account.
Recurring costs
List the services you pay for
Annual plans are converted to a monthly equivalent for comparison.
Check your statements and renewal dates. Free trials, taxes, price changes, and cancellation terms are not modeled.
Cost overview
What the recurring cost adds up to
The five-year amount is a flat-cost projection, not an investment-return estimate.
- Current annual cost
- $408.00
- Five-year nominal cost
- $2,040.00
- Kept monthly equivalent
- $26.00
- Potential monthly reduction
- $8.00
- Potential annual reduction
- $96.00
Potential reductions assume you successfully cancel unchecked services and avoid replacement costs. Actual billing terms vary.
How to use this tool
Start with the example assumptions, then replace them with the figures and choices that fit the scenario you want to understand. Use the result as a planning worksheet and confirm important details against current statements or official documents.
Limitations
Results are estimates from the inputs shown. The tool does not connect to financial accounts, predict future events, or provide individualized financial, tax, investment, or legal advice.
Frequently asked questions
How are annual subscriptions counted?
The annual price is divided by 12 to show a monthly equivalent. It remains included in the annual and five-year totals.
Does the five-year number include price increases?
No. It multiplies today’s monthly equivalent by 60 and assumes the listed prices remain unchanged.
Does unchecking a service cancel it?
No. It only changes this comparison. Review the provider’s cancellation terms and renewal date yourself.