Subscription cost calculator
List what you are charged regularly and see the yearly total.
The names and amounts shown are examples, not typical prices. Set a plan to Cancel to see what you would save. Names stay in this browser only; no card numbers are asked for.
What the number means
A subscription is cheap by design: the price is shown per month or even per week, and the charge repeats until you stop it. The yearly total shows the size of what you have agreed to. The point is not that every subscription is a mistake, but that each one is a standing decision and a list lets you review the decisions together instead of one charge at a time.
The method
Yearly cost = charge × number of charges per year (weekly 52, monthly 12, every 3 months 4, every 6 months 2, yearly 1). Monthly equivalent = yearly cost ÷ 12. Share = yearly cost of one subscription ÷ total. Savings from cancelling = the sum of the yearly costs of the plans marked Cancel. Rows with an amount of zero are ignored. This is plain arithmetic; the page does not know when your next charge comes or whether a trial is running.
Worked example
The starting list on the form is made of example values: streaming $16 monthly ($192 a year), music $11 monthly ($132), a gym $45 monthly ($540) and cloud storage $30 yearly. Total $894 a year, $74.50 a month, $17.19 a week. Cancelling the gym saves $540 a year; the other three remain at $354. These numbers come from the same function as the calculator.
Limits of this method
Charges rarely stay fixed: prices rise, and promotional prices end. Bundled plans (one price for several services) are hard to split fairly, so enter the bundle as one line. Sales tax may be added to the price at checkout. A list from memory misses charges; the reliable source is your card and bank statements, which show the actual amounts. The calculator only adds up what you enter, and it cannot cancel anything for you.
How much am I spending on subscriptions?
Convert every charge to a yearly amount and add them. Example values, not averages: video streaming $16 a month, music $11 a month, a gym $45 a month and cloud storage $30 a year come to $894 a year, or $74.50 a month. The gym alone is $540, 60.4% of the total. Marking it to cancel would save $540 a year and leave $354. The point of the exercise is the yearly total: a small monthly number tends to hide a large annual one.
How do I convert weekly, quarterly and annual charges to a monthly cost?
Multiply the charge by the number of times it is billed a year, then divide by 12. A weekly $4.99 is billed 52 times: $259.48 a year, $21.62 a month (not 4 × $4.99, which would understate it by about $1.66 a month). A quarterly $60 is billed 4 times: $240 a year, $20 a month. An annual $120 is $10 a month. The page counts a week as 1/52 of a year; a calendar year has a little more than 52 weeks, so a weekly charge can occasionally be billed 53 times.
What are the hidden costs of subscriptions?
Three things the list does not show on its own. Price rises: a $16 plan that rises 10% becomes $17.60 and costs $19.20 more a year; change the amount to see your own case. Free trials that convert to paid plans at the end of the trial, so the first charge comes when you have stopped paying attention. And overlap: several services that offer much the same thing. The calculator does not know about any of these; a monthly look at your bank and card statements is the check.
What is the FTC click-to-cancel rule and is it in force?
The Federal Trade Commission announced an amended Negative Option Rule, called 'Click-to-Cancel', on October 16, 2024 (16 CFR Part 425). On July 8, 2025 the U.S. Court of Appeals for the Eighth Circuit vacated it, on the procedural ground that the FTC had not prepared a preliminary regulatory analysis (secondary summaries of the decision; the court did not rule on the content of the rule). The FTC's own page shows two later steps in 2026: a Federal Register notice on February 12, 2026 on revising the rule to conform to court decisions, and an advance notice of proposed rulemaking, 'Negative Option Marketing Practices', announced March 11 and published March 13, 2026, which asks whether amendments are needed. No amended rule had taken effect when we checked on October 28, 2026.
Do other laws protect me if a company makes cancelling hard?
Yes, in part. The Restore Online Shoppers' Confidence Act (ROSCA) remains in force and the FTC uses it against online subscription practices, and many states have their own automatic-renewal laws; legal summaries written after the Eighth Circuit decision note that these still apply. Their requirements differ by state and by kind of service, so this page cannot tell you what applies to your plan. A practical step is to write down when you cancelled, keep the confirmation, and dispute a charge with your card issuer if the company keeps billing you after a documented cancellation. Check your state's attorney general or consumer protection office for local rules.
Which subscriptions should I cancel first?
The calculator ranks them by yearly cost, so the biggest are at the top of the table; in the example the top three account for 96.6% of the total. The usual approach is to look at the biggest, then at anything unused for a long time, then at duplicates. It cannot tell you which ones matter to you. Use the Cancel setting to run what-if scenarios, then actually cancel with each company; marking a plan here does nothing outside this page.
Does this page store my subscription names?
Only in your own browser, so the list is still there when you come back. The page does not send the names or amounts anywhere and does not ask for card or account numbers. Clear your browser data to remove them.
An estimate for planning only — not legal, tax or financial advice. Sources, checked October 28, 2026: Federal Trade Commission, Negative Option Rule page (Click-to-Cancel final rule October 16, 2024; Federal Register notice February 12, 2026; advance notice of proposed rulemaking March 2026, docket FTC-2026-0265). The Eighth Circuit decision (July 8, 2025, Custom Communications, Inc. v. FTC) and the continuing role of ROSCA and state laws are taken from law-firm summaries, not from the decision or the statute. Related: the budget calculator, savings goal calculator, compound interest calculator, latte factor calculator and unit price calculator. How we check our calculators.