How Much Do Your Subscriptions Really Cost?
Add up every subscription you pay for — streaming, software, gym, boxes. See the total and what it could be worth if invested instead.
The Subscription Creep Problem
The average American spends $219/month on subscriptions — and most underestimate their total by 2-3x. Subscriptions are designed to be "too small to cancel" individually, but collectively they drain thousands of dollars per year. This calculator forces you to see the total.
The Opportunity Cost
$175/month invested at 8% annual return grows to $12,900 in 5 years and $32,200 in 10 years. You do not need to cancel everything — but identifying the 2-3 subscriptions you barely use and redirecting that money to investments is one of the easiest wealth-building moves available.
How to Audit Your Subscriptions
Check your bank and credit card statements for the last 3 months. List every recurring charge. For each one, ask: "Did I use this in the last 30 days?" If not, cancel it. Most can be reactivated instantly if you miss them — but most people never do.
C+R Research found that 42% of consumers forgot about at least one subscription they were still paying for. The average "forgotten subscription" costs $32/month and runs for 6 months before being noticed.
