Subscription Audit Calculator
Add up every subscription and see what you really pay per month, year, and 5 years.
Subscriptions & memberships
A membership is a fixed cost buying a variable benefit, so the answer depends on your usage, not on the headline discount. These pages find the eligible spend or visit count where the fee breaks even.
Calculators for this decision
Costco Membership Calculator
Find the monthly spend where a Gold Star or Executive membership pays for itself.
Guides that explain the decision
- Annual or Monthly Billing? The Breakeven Math on Subscription Discounts
- Gym membership cost per visit: how often do you need to go?
- How to calculate whether a paid membership is worth it
- Is Costco Executive Worth It in 2026? $3,250 Break-Even Math
- Monthly vs annual subscription: when does annual billing save money?
- Subscription Creep: How Much Are You Really Paying?
- The Math of Warehouse Club Memberships
- When is a delivery membership worth the annual fee?
- AI Tool ROI Without Fantasy Hours: Measure Realized Time Savings, Rework and Recoverable Value
- Annual vs. Monthly Subscription: A Cancellation-Risk Break-Even Model
- Costco Executive Break-Even: How Much Eligible Spending Covers the Upgrade?
- Costco Gas Detour Break-Even: Is the Lower Price Worth the Extra Drive?
How to read these pages
Each calculator applies a stated formula to the numbers you enter and shows the threshold where the answer flips. The default values are editable examples, not market averages or quotes. Nothing here is financial advice: confirm current prices, rates, fees, taxes and contract terms before acting on a result.