Add up every subscription, spot the ones you forgot, and see what cancelling saves you. Free subscription cost calculator.
Netflix here, a cloud plan there, that fitness app you opened twice in January — subscriptions are designed to be forgotten, and the forgetting is the business model. List everything you're paying for below and this calculator totals the real damage, flags the ones you barely touch, and shows what cancelling them is actually worth.
Our brains file $9.99 under "pocket change" and never revisit the decision. But six of those is $720 a year — and the average household now juggles far more than six. Worse, annual-billed subscriptions hide even better: one $99 charge a year barely registers, yet five of them equal another monthly bill. Seeing the yearly total is usually the moment the cancelling starts.
Be honest with the usage dropdown. Anything marked "rarely" or "never" lands in the cancel-candidates table, pre-ticked so you can watch the yearly savings grow. The 5-year invested figure isn't fantasy math — it's what that money becomes at a modest 7% return, which reframes "it's only ten bucks" into "it's $700 of future money."
Set a calendar reminder every three months: open this page, re-enter your list, kill one subscription. Companies count on renewal-date amnesia, which is why there's a renewal tracker built in — add the dates and you'll see what's charging you in the next 30 days before it happens, not after.
Check your bank and card statements for the last 12 months — annual renewals only appear once a year. Also check your phone's subscription settings (iOS: Settings → Apple ID → Subscriptions; Android: Play Store → Payments & subscriptions) and your email for receipts.
As a rule of thumb, keeping total subscriptions under 5% of take-home pay is comfortable; over 10% is where most financial advisors call it subscription creep. Enter your income above and the calculator grades you automatically.
If a service offers pausing (many streaming and software services do), pausing beats cancelling when you might return within a few months — you keep your history and settings. Cancel outright when you haven't used it in 60+ days with no specific plan to return.
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