Subscription Creep Calculator
Add up monthly subscriptions and recurring charges to see your total monthly and yearly cost.
Subscription
Monthly Cost
How Often You Use It
Monthly Total
$125.45
$1,505.40 per year
Annual Total
$1,505.40
5-Year Total
$7,527.00
Unused Monthly
$29.99
Rarely/never used: $29.99/month — $359.88/year
These results are estimates for informational purposes only. Actual costs may vary.
What this calculator tells you
Recurring charges can be easy to ignore when they are spread across streaming services, apps, memberships, cloud storage, and other subscriptions. This calculator helps you list your subscriptions and see the full monthly and annual total.
Issues With calculators are deterministic tools, not AI guesses. Your result is calculated from the numbers you enter using the formula shown below, and the inputs stay in your browser.
How this calculator works
Add every recurring subscription you pay for — streaming, software, gym, cloud storage, news sites, apps, and anything else billed monthly or converted to a monthly equivalent. Rate how often you actually use each one.
The calculator totals your monthly and annual spend, then isolates how much goes to services you rarely or never use. That number is your clearest candidate for immediate savings.
The formula
Monthly Total = Sum of all subscription monthly costs
Annual Total = Monthly Total × 12
5-Year Total = Annual Total × 5
Unused Monthly = Sum of "Rarely" and "Never" subscription costs
Unused Annual = Unused Monthly × 12
Example
A typical household subscription stack:
- Netflix: $15.49 (used often)
- Spotify: $10.99 (used often)
- Disney+: $13.99 (sometimes)
- Gym: $29.99 (rarely) ← candidate to cut
- Adobe CC: $54.99 (used often)
Monthly total: $125.45 — but $29.99/month ($359.88/year) goes to a gym rarely visited.
Frequently asked questions
What is subscription creep? +
Subscription creep is the gradual accumulation of recurring charges over time — each one small enough to feel inconsequential when signed up for, but collectively representing a significant monthly expense. Studies suggest most people underestimate their monthly subscription spend by 40% or more.
Should I cancel everything I rarely use? +
Not necessarily — some services have value even when used occasionally (backup tools, insurance-like services). But any service marked "Never" is an obvious candidate. Rarely-used services are worth asking: if it disappeared tomorrow, would you notice? If not, cancel it.
How do I find all my subscriptions? +
Check your bank and credit card statements for recurring charges. Look at your email for subscription receipts. Check Apple App Store and Google Play subscription settings. Review PayPal recurring payments. And check your email inbox for welcome emails from services you signed up for years ago.
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Browse all Issues With calculators or see more tools in Subscriptions.