Free Subscription Cost Calculator 2026

Browse services

Can't find it? Add a custom subscription

$

Your subscriptions (3)

Currency

Netflix

Entertainment

$

Spotify

Entertainment

$

ChatGPT Plus

AI & Tools

$

You're spending

$50.98/month

Per year

$611.76

5-year total

$3,058.80

That's the same as, every month

10

coffees

3

pizzas

4

movie tickets

By category

Entertainment$30.98 (61%)

AI & Tools$20.00 (39%)

Want this tracked automatically?

Subkept catches free trials, flags price hikes, and surfaces forgotten charges. No bank link needed.

$273

Avg US household monthly spend

12+

Subscriptions per household

2x

How much most people underestimate

$1,200

5 year cost of one $20 monthly sub

The guide

What a subscription cost calculator actually shows you

A subscription cost calculator adds up every recurring charge you pay for and projects the long term cost. The math is simple. The reason people use one is psychological. A $13 streaming plan, a $20 AI tool, and a $15 cloud plan look small in isolation, but together they compound into thousands of dollars over a few years. Seeing the total once is usually enough to change behavior.

Subkept's calculator is built for accuracy. Prices come from a live pricing catalog of 200+ services that tracks each provider's official pricing page, so you start with the real number instead of a 2020 estimate. You can edit any row in place, switch between monthly and yearly per service, and convert the whole list into 10 currencies with daily exchange rates. Nothing leaves your browser. The list is saved on your device using local storage, so you can come back to it without an account.

The most useful output is the 5 year total. A typical streaming service at $15 a month is $900 over five years. A premium AI tool at $20 a month is $1,200. Three of those together is over $5,000 of locked in spend. The calculator surfaces that number so the decision to keep, downgrade, or cancel can be made on real information.

How it works

Three steps, about a minute

No account, no card, no data leaves your device.

1
Pick your services
Search the catalog of 200+ subscriptions and tap to add. Prices auto fill from live data, so you start with the real number.
2
Fine tune
Edit any price to match what you actually pay, toggle monthly or yearly per row, and switch between 10 currencies on the fly.
3
See the real cost
Get your live monthly, yearly, and 5 year totals, a category breakdown, and the annual plans worth switching to.

What makes it different

Built for accuracy, not lead capture

Every feature exists to give you the truth about your spend, faster.

Live, real prices

Pulled from a continuously updated catalog of 200+ services, not hardcoded estimates that quietly go stale. We track every official pricing page so the number you see is what you would pay today.

Refreshed daily across streaming, AI, software, gaming, and cloud.

Fully private

No signup, no email, no bank link. Everything runs in your browser and stays on your device.

10 currencies, live FX

USD, EUR, GBP, INR, PKR, AUD, CAD, JPY, AED, TRY with daily refresh.

Annual savings detector

Spots which monthly subscriptions are cheaper billed yearly and tells you how much you save.

Category breakdown

See what share goes to entertainment, AI tools, cloud, and gaming.

5 year horizon

We surface the 5 year total so the long term cost stops hiding behind small monthly numbers.

Comparison

Subkept vs. other ways to calculate

How the Subkept calculator stacks up against the most common alternatives.

Feature	Subkept	Typical free calc	Bank tracker	Spreadsheet
Free, no signup	Yes	Usually	Needs bank login	Yes
Live prices, 200+ services	Yes	Rare	Bank dependent	Manual
Multi currency with live FX	10 currencies	USD only	Local only	Manual
Monthly, yearly, 5 year totals	All three	Monthly only	Monthly only	If you build it
Switch to annual detector	Yes	No	No	Manual
Category breakdown	Yes	Rare	Sometimes	Manual
Fully private (no server)	Yes	Usually no	No	Yes
Renewal reminders	In the app	No	Sometimes	No

Deep dive

The honest truth about subscription spending

Why monthly numbers fool you

Subscriptions are priced for impulse. Almost every recurring service is shown to you as a small monthly number, because $13 feels like nothing and $156 a year feels like a budgeting decision. That framing is the entire business model. The provider knows the average subscriber will not do the multiplication. A subscription cost calculator forces the math out into the open, which is why the totals usually surprise people the first time they run them.

How much is too much

There is no universal answer. A reasonable baseline is to keep total recurring software and entertainment spend under 5 percent of monthly take home pay. Above that, the value test gets stricter: did you actually use it in the last 30 days, and would you re-subscribe today at the current price. If both answers are no, the subscription is a candidate for cancellation. The 5 year column in the calculator makes the decision easier because the long term cost is no longer hidden.

Annual plans, when they actually pay off

Most premium services offer a 10 to 25 percent discount when you pay annually. The calculator's annual savings detector compares monthly times 12 against the published annual price and only flags subscriptions where you actually save. The catch is that an annual plan is only a win if you are confident you will use the service for the full year. If you are uncertain, stay monthly. The discount is not worth a year locked in.

Free trials are the silent killer

Roughly 60 percent of free trials convert because the user forgets the trial end date. The cost is hidden until the first charge clears. A calculator does not solve this on its own, which is why Subkept's full app pairs the calculator with trial countdowns and renewal reminders.

What to do with the number

Once you have your total, sort by category. Entertainment and AI tools are usually the easiest cuts because there are direct substitutes for almost every service. Cloud storage and software-of-record are usually keepers. Look hard at duplicates: two music services, three streaming bundles, three AI assistants. Cancel one, downgrade one, switch one to annual, and the calculator will almost always show 15 to 30 percent savings without any change in lifestyle.

Keep reading

Guides & comparisons

How to cancel the subscriptions you forgot about

A step by step playbook for finding and killing zombie subscriptions.

Best subscription tracker apps in 2026

Honest comparison of the top subscription managers and who they fit.

Subkept vs. Rocket Money

A privacy first tracker versus a bank linked cancellation service.

Subkept vs. Bobby

A side by side of the iOS classic Bobby app and Subkept.

What is the average monthly subscription cost?

Benchmarks for streaming, AI tools, software, gaming, and cloud.

See all Subkept features

Renewal reminders, trial countdowns, price hike alerts, and more.

Glossary

Subscription terms, defined

Recurring subscription: A service that charges you on a fixed cadence, usually monthly or yearly, until you cancel.
Subscription stack: The full set of recurring services a person or household pays for.
Annual plan discount: The percentage saved by paying for a year up front. Most premium services offer 10 to 25 percent off.
Free trial: A short period of free access that converts into a paid subscription if you do not cancel before it ends.
Zombie subscription: A recurring charge you forgot about that is still pulling money out of your account every cycle.
Subscription fatigue: The point where the number of services you pay for outgrows the value you get from them.
Price hike: A scheduled or surprise increase to a service price.
5 year cost: A monthly price multiplied by 60 months. The real long term commitment hiding behind a small monthly number.

FAQ

Frequently asked questions

Is this subscription calculator really free?

Yes. No signup, no email, no bank linking. The calculator runs entirely in your browser and your list is saved on this device using local storage.

Where do the default prices come from?

Default prices come from Subkept's live pricing catalog, which tracks each service's official pricing page. You can edit any price after adding it to match what you actually pay.

How do you calculate annual savings?

For services with annual plans (YouTube Premium, Adobe, Notion, Disney+, and similar), we compare what you would pay monthly times 12 against the published annual price. The difference is your savings opportunity.

Why is the 5 year subscription total so high?

Because it is. A $20 per month subscription costs $1,200 over five years. The 5 year view exists to make the long term cost visible, which most calculators hide.

Can I track my subscriptions automatically?

This calculator saves to local storage on your device. For renewal reminders, free trial countdowns, and price hike alerts across devices, Subkept tracks up to 5 subscriptions for free.

How many services does the calculator support?

The catalog covers 200+ popular subscription services across entertainment, AI tools, productivity, design, cloud storage, dev tools, gaming, security, health, and shopping, plus a custom row for anything else.

Which currencies are supported?

USD, EUR, GBP, PKR, INR, AUD, CAD, JPY, AED, and TRY, with live exchange rates refreshed daily.