How Much Do You Really Spend on Subscriptions?
Netflix, Spotify, Adobe, meal kits, the gym app you never open. Add up every subscription to see your true monthly, annual and 10-year cost— then cut what you don’t use with free alternatives.
- subscriptions tracked
- 39
- spending categories
- 6
- free alternatives
- 24
- cost horizon
- 10 yr
Subscription Cost Calculator
Select everything you pay for. Your total, category breakdown and free-alternative savings update instantly.
📺 Streaming(0/11)
💻 Software & Apps(0/10)
💪 Health & Fitness(0/4)
🍔 Food & Delivery(0/4)
🎮 Gaming(0/5)
📚 News & Learning(0/5)
Totals use each service’s typical US plan (2026 list price). Hover any card to see the full price range. Prices don’t include taxes, bundles or promotional rates.
Your 10-year subscription bill
Tap the subscriptions you pay for — even the ones you forgot about — to see your real number.
Monthly
$0
Annual
$0
5 years
$0
10 years
$0
How it works
Tap what you pay for
Streaming, software, meal kits, gaming — even the ones you forgot about.
See your real number
Monthly, annual and 10-year totals, broken down by category.
Cut what you don’t use
Get free alternatives and watch the number drop.
Why your subscriptions cost more than you think
Subscription creep is real. Each service is cheap on its own, so none feels worth cancelling — but the charges stack into a number that rivals a car payment. Studies regularly find people underestimate their own subscription spending by around 50%, because small recurring fees quietly disappear from memory.
The fix is simple: put every recurring charge in one place. When you can see that ten everyday subscriptions become tens of thousands of dollars over a decade, cutting the three you never use finally feels worth the two minutes it takes.
The math most people never do
- 10 subs at $130/mo, per year$1,560
- …over 5 years$7,800
- …over 10 years$15,600
Before annual price rises. Most services cost a little more every year.
Subscription spending FAQs
How much does the average person spend on subscriptions per month?
Surveys consistently put the average American at roughly $200 per month across all recurring subscriptions, and many people underestimate their own total by half. Streaming alone often runs $50–$80 a month once you add up Netflix, Disney+, Hulu, Spotify and the rest. The fastest way to know your own number is to add up every recurring charge — this calculator does the math the moment you tap the services you use.
How is my subscription total calculated?
Each service uses its typical 2026 US list price (the standard or most common plan). Your monthly total is the sum of those monthly prices; your annual total uses each service’s annual price, which reflects a discounted yearly plan where one exists (for example, Amazon Prime at $139/year or Nintendo Switch Online at $19.99/year). Five-year and ten-year figures simply multiply the annual total. Taxes, bundles and promotional rates are not included.
How much will I spend on subscriptions over 10 years?
Multiply your annual total by ten — and it adds up fast. Ten popular subscriptions at around $130 a month become roughly $15,600 over a decade, before any price rises. Because most subscription prices creep up a dollar or two most years, the real figure is usually higher. The calculator shows this ten-year “shock figure” so the cost of keeping everything becomes impossible to ignore.
What are the best free alternatives to paid subscriptions?
Many paid services have genuinely capable free tiers: Spotify Free, YouTube with ads, Canva Free, Notion Free and the Duolingo free course cover most casual needs. For creative software, GIMP, Inkscape and DaVinci Resolve replace much of Adobe Creative Cloud; Google Docs or LibreOffice replace Microsoft 365; and your local library plus the Libby app covers audiobooks and ebooks that would otherwise mean Audible and Kindle Unlimited. The calculator flags every service you picked that has a free option and shows how much you’d save.
Why do subscriptions cost more than I think?
Three reasons: subscription creep (small monthly fees blur together and disappear into your memory), annual creep (most services raise prices a little each year), and unused subscriptions (the average person pays for several services they rarely open). Because each charge is small, none feels worth cancelling — but together they can exceed a car payment. Adding them all up in one place is the single most effective way to spot the waste.
Is this subscription calculator free and private?
Yes. The calculator runs entirely in your browser — the subscriptions you select are never sent to a server, and nothing is stored or shared. We only collect anonymous usage analytics to understand which tools people find useful. No account, no email, no cost.