Subscription Audit Calculator

This subscription cost calculator answers how much you are spending on subscriptions after monthly, quarterly, and yearly renewals are normalized. Add hours used to see whether a service is still earning its place in your budget.

Subscriptions

Verdict

Add your subscriptions to see the total.

Monthly total$0

Yearly total$0

5-year total$0

Most expensiveNone

How it works

Each row is converted to a monthly cost: monthly bills stay the same, quarterly bills are divided by 3, and yearly bills are divided by 12. The yearly and 5-year totals are simple projections before price increases.

If you enter monthly hours used, the tool also estimates cost per hour. That helps separate subscriptions you genuinely use from quiet recurring charges.

Treat annual shopping-club fees the same way: compare the fee with savings you would actually keep. The Costco membership break-even calculator shows whether Gold Star or Executive earns back its cost at your normal spending level.

Methodology

Each subscription is normalized into a monthly cost. Monthly bills stay unchanged, quarterly bills are divided by 3, and yearly bills are divided by 12 before totals are projected over one and five years.

Assumptions

Default rows such as Netflix, Spotify, and cloud storage are sample subscriptions only.
The five-year figure assumes today's prices stay unchanged and does not model inflation or plan upgrades.
Cost per use is calculated only when you enter monthly hours used.

Example calculation

A 29.99 yearly cloud-storage plan is counted as about 2.50 per month. Three subscriptions are then added together to show monthly, yearly, and five-year totals.

Limitations

Shared plans, discounts, taxes, foreign-exchange fees, and future price increases are not automatically detected.
The tool does not cancel services for you; it only highlights costs to review.

Last updated: July 7, 2026

Estimate disclaimer: This tool provides estimates only. It is not financial advice. Results depend on the numbers you enter and the simplified assumptions listed here.

This tool runs entirely in your browser. Your input never leaves your device.

Frequently asked questions

How much am I spending on subscriptions?

Enter each subscription, its billing cycle, and optional monthly use. The calculator normalizes everything to monthly, yearly, and 5-year totals.

How does cost per use work?

If you enter hours used per month, the calculator divides that subscription monthly cost by those hours. Blank hours are ignored.

Which subscriptions should I cancel first?

Start with the highest monthly cost and any service with high cost per hour. A cheap service can still be wasteful if you barely use it.

Are my subscription rows saved?

Yes. Rows are stored in your browser localStorage only, so they can survive a refresh without being sent to a server.

Can this include yearly software renewals?

Yes. Choose yearly billing and enter the annual price. It will be converted to an equivalent monthly cost.