Subscription Audit Calculator
See exactly how much you spend on subscriptions. Track streaming, AI tools, cloud storage, software, and custom recurring services in one place.
Example: Netflix + Spotify + Prime + ChatGPT + Gym
Monthly Total
$112.47
Annual Total
$1,349.64
10-Year at 8%
$20,575.94
Top Category
Fitness: $50/mo
Netflix ($15.49) + Spotify ($11.99) + Amazon Prime ($14.99) + ChatGPT Plus ($20) + Gym ($50) = $112.47/month, $1,349.64/year. Invested at 8% for 10 years: $20,575.94.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
Popular subscriptions
Total monthly
$115.46
Total annual
$1,385.52
Per day
$3.80
Invested 10y at 8%
$21,122.95
Potential annual savings
$354
By category breakdown
Top 3 most expensive
#1 Gym membership
$50/month
#2 ChatGPT Plus
$20/month
#3 Netflix
$15.49/month
Potential savings from downgrades
Annual cost equivalent: 2.0 months of groceries at $700/month.
Viral summary
I spend $115/month on subscriptions - that's $1386/year or $21123 over 10 years invested. My biggest leak: Fitness at $50/month.
Active: 6 subscriptions • Total: 6
AI explains your result
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Frequently asked questions
How much do people usually spend on subscriptions per month?
Subscription spend varies widely, but many households underestimate it because charges are spread across cards and billing cycles. A complete subscription audit should total all active services into one monthly and annual number, then rank the most expensive categories.
How do I reduce subscription costs without cancelling everything?
Start with your top 3 most expensive subscriptions, then check for lower-tier plans, annual bundles, or ad-supported versions. Downgrading just a few high-cost services can produce meaningful annual savings while keeping core functionality you still use.
What is the real yearly cost of my streaming subscriptions?
Multiply your total streaming monthly spend by 12 to get annual cost. For example, $89 per month in streaming equals $1,068 per year. This is often the largest subscription category once multiple services stack over time.
Why compare subscriptions to invested value?
Opportunity-cost framing helps prioritize decisions. If recurring monthly subscription spend were invested instead, the 10-year value can be far higher than expected due to compounding. This makes it easier to decide which services are worth keeping.
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