Subscription Cost Calculator
A small monthly charge can feel harmless because the decision is separated from the annual total. Combining subscriptions and converting them to work time restores the full picture.
Subscriptions totaling $74 per month cost $888 per year. At $20 of take-home pay per hour, that is 44.4 hours of work—more than a standard workweek each year.
List every recurring charge
Check cards, app stores, bank statements, and annual renewals. Include cloud storage, memberships, software, news, gaming, and services bundled through another provider.
Convert everything to one period
Monthly price × 12 gives the annual cost. Divide that total by your real take-home hourly pay to get the annual work hours.
Cancel by value, not guilt
Keep the subscriptions you use and value. Look first for duplicates, forgotten trials, overlapping features, and services that are difficult to remember using.
Run your own numbers
The free calculator works in your browser and requires no bank connection or account.
Open the calculator with this example →