Subscription Cost Calculator
Subscriptions are easy to sign up for and easy to forget about. Enter yours below to see the true cost of your recurring charges over time.
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The Hidden Cost of Subscriptions
The average American household spends over $200 per month on subscriptions, according to surveys. The problem is not any single charge. It is the accumulation of small recurring costs that go unreviewed for months or years at a time.
A $15 monthly subscription does not feel like much. But over five years, that is $900. Stack ten of those and you are looking at $9,000 in subscription spending over the same period. Many households are paying for services they rarely use simply because canceling feels like a task for later.
The irony is worth noting: most budgeting apps are themselves subscriptions. YNAB charges $14.99 per month. EveryDollar Premium is $17.99 per month. Middle Class Finance is free and always will be. You should not have to pay a subscription to find out you are paying too many subscriptions.
The FTC has published guidance on recurring charges and negative option billing, including your rights when canceling subscriptions that auto-renew without clear consent. If a service makes cancellation unnecessarily difficult, you may have more options than you think.
Related Tools
Use our 50/30/20 Budget Calculator to see how subscriptions fit into your broader spending plan. If you want a full picture of where your money goes each month, the Cost of Living Calculator breaks down all your essential expenses.
Track All Your Subscriptions in MCF
It is free (and always will be). No subscription required to manage your subscriptions.