The free subscription cost calculator that shows what you really spend
Tap to add Netflix, Spotify, ChatGPT, Adobe, and every other recurring charge. Get your real monthly, yearly, and 5 year total in 10 currencies, with live prices and switch to annual savings detected automatically. No signup. No bank link. Fully private.
Last updated · Reviewed by Subkept Editorial
The short answer
A subscription cost calculator adds up every recurring charge you pay for, then projects the real monthly, yearly, and multi year total so the long term cost becomes obvious. Subkept's free version covers 200+ services with live prices, works in 10 currencies, detects switch to annual savings automatically, and stores nothing on a server. You can finish in under a minute, with no signup and no bank link.
- →Coverage: 200+ subscription services across 14 categories
- →Outputs: monthly, yearly, and 5 year totals
- →Currencies: USD, EUR, GBP, INR, PKR, AUD, CAD, JPY, AED, TRY
- →Privacy: 100% in browser, local storage only, no signup
Browse services
Can't find it? Add a custom subscription
Your subscriptions (3)
You're spending
That's the same as, every month
By category
Subkept catches free trials, flags price hikes, and surfaces forgotten charges. No bank link needed.
A quick reality check
How it works in 60 seconds
Three steps. No account. No card. Your data never leaves your device.
- 01
Pick your services
Search 200+ subscriptions and tap to add. Prices auto fill from our live pricing catalog, so you start with the real number.
- 02
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.
- 03
See the real cost
Get your live monthly, yearly, and 5 year totals, a category breakdown, and the annual plans worth switching to.
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.
Fully private
No signup, no email, no bank linking, no analytics on your list. Everything runs in your browser and stays on your device.
10 currencies
Live FX with daily refresh across USD, EUR, GBP, INR, PKR, AUD, CAD, JPY, AED, and TRY. No other free calculator covers as many.
Annual savings detector
Spots which of your monthly subscriptions are cheaper billed yearly and tells you exactly how much you would save.
Category breakdown
See what share goes to entertainment, AI tools, cloud, and gaming. The kind of insight bank apps never bother to show.
5 year horizon
Most calculators stop at monthly. We surface the 5 year total so the real long term cost stops hiding behind small numbers.
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What is the average monthly subscription cost?
Benchmarks for streaming, AI tools, software, gaming, and cloud storage so you can see where you actually land.
See all Subkept features
Renewal reminders, trial countdowns, price hike alerts, shared family plans, and more, free up to 5 subscriptions.
Subscription cost calculator comparison
How the Subkept calculator stacks up against the most common alternatives.
| Feature | Subkept calculator | Typical free calculator | Bank tracker app | Spreadsheet |
|---|---|---|---|---|
| Free, no signup | Yes | Usually | No, needs bank login | Yes |
| Live prices for 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 savings detector | Yes | No | No | Manual |
| Category breakdown | Yes | Rare | Sometimes | Manual |
| Fully private (no server) | Yes | Usually no | No | Yes |
| Automatic renewal reminders | Available in Subkept app | No | Sometimes | No |
Subscription terms, defined
A quick glossary for anyone planning a subscription audit.
- 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, across streaming, software, AI tools, gaming, and more.
- Annual plan discount
- The percentage saved by paying for a year up front instead of month to month. 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, often the moment a calculator helps the most.
- Price hike
- A scheduled or surprise increase to a service price. The calculator captures the latest figure so your projection stays current.
- 5 year cost
- A monthly price multiplied by 60 months. It shows the real long term commitment hiding behind a small monthly number.
Subscription calculator FAQ
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 subscription 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 subscription savings?
For services that offer 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 after using the calculator?
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 subscription 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.
Does the calculator work in currencies other than USD?
Yes. It supports USD, EUR, GBP, PKR, INR, AUD, CAD, JPY, AED, and TRY, with live exchange rates refreshed daily.