Why subscriptions feel smaller than they are
Monthly prices are easy to underestimate because each line item looks small. This calculator converts them into a multi-year total and average monthly cost, which is more useful for budgeting.
Example
Monthly subscriptions of 80 cost 960 per year. Add 300 in annual subscriptions and the first-year run rate is 1,260; over 3 years without price increases, that becomes 3,780.
Common mistakes
Annual plans, app renewals, cloud storage, streaming bundles and software seats are easy to miss. Review card statements and app-store subscriptions before deciding the monthly total.
Limitations
The calculator does not know future price changes, currency changes, discounts, cancellation fees or shared family plans unless you enter those assumptions yourself.
Last reviewed: 2026-05-17