Everyday Money
Subscription Cost Calculator
Add each subscription one by one — name, price and billing period — to see the true annual cost.
What do subscriptions really cost?
A few small monthly charges add up. Listing them one by one — with weekly, monthly or yearly billing — makes it easier to cancel what you barely use. Convert every plan to the same yearly basis so ‘£99/year’ and ‘£9.99/month’ compare fairly — annual discounts trade flexibility for a lower monthly equivalent. Household splits can sit beside shared expense. Free trials should not count until they convert; set a calendar reminder before they end. Enter your share of a family plan, not the full household bill, unless you pay for everyone. Figures are a personal budget aid — not financial advice. Annual reviews each January catch zombie subscriptions better than vague intentions. Business tools on personal cards deserve the same list so expenses stay reclaimable. When a service moves from introductory pricing to full rate, update that row the day the email arrives — not after three expensive renewals.
Worked example
Add streaming at £10.99/month, cloud at £1.99/month, software at £99/year and gym at £35/month. Yearly total ≈ £10.99×12 + £1.99×12 + £99 + £35×12 ≈ £675 (about £56/month). Cancelling the gym you visited four times last quarter saves £420/year before joining fees on a return.
Limits and assumptions
Ignores inflation on renewal prices and promotional periods that expire. Shared plans need honest allocation. Not a bank transaction categoriser.
Frequently asked questions
How do I add subscriptions?
Use + Add subscription for each service. Enter an optional name, the amount you pay, and whether it bills weekly, monthly or yearly.
How do I compare monthly and annual plans?
Set each row’s billing period correctly — the calculator annualises them so totals line up. Watch for annual discounts versus flexibility.
Should free trials be counted?
Not until they convert. Set a calendar reminder before the trial ends.
What about shared family plans?
Enter your share of the cost, not the full household bill, unless you pay for everyone.
Can I include mobile and broadband?
Yes if you want a full recurring stack — consistency matters more than purity.