Subscription Cost Calculator
Nobody signs up to spend a thousand a year on subscriptions. It happens nine euros at a time, and the individual charges are small enough that none of them ever seems worth cancelling. Adding them up is usually the whole intervention.
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Small, regular and invisible
A subscription is designed to be beneath the threshold at which you would think about it. Twelve a month is not a decision anybody revisits. Twelve a month for six services, for ten years, is over eight thousand.
The reason to total them is not that subscriptions are bad. It is that the monthly framing prevents comparison. Nobody would pay 384 a year up front for a service they open twice a month, but that is what the standing order does.
The yearly ones hide better
An annual charge renews once and is forgotten for twelve months. It is also where the largest single amounts usually sit — a domain, a backup service, a membership, insurance added to something bought years ago. Bank statements from the same month last year are the fastest way to find them.
What the saving is actually worth
The figure here shows the cancelled amount invested each month rather than spent. That is not an argument that everyone should invest their streaming budget; it is a way of expressing the size of a recurring cost in terms of something else that compounds.
How to decide what goes
The useful test is not whether you use a service but whether you would sign up for it today at that price. Most people find a couple that fail it immediately. The second test is whether two services overlap enough that one covers what the other does.
The practical part
Cancelling is easy to intend and easy to postpone. Both major mobile platforms list active subscriptions in one place, which finds the app-store ones; the rest are on the card statement. Doing it in one sitting works far better than resolving to do it gradually, for the same reason the charges accumulated gradually in the first place.
Frequently asked questions
How do I find everything I am subscribed to?
Check the subscriptions list on your phone for app-store charges, then read twelve months of card statements for the rest. The annual ones only appear once.
Should I cancel everything?
No. The test is whether you would sign up today at that price. Services that pass are worth keeping; the point is to make the choice deliberately rather than by default.
Why show the amount invested?
To express a recurring cost in comparable terms. A monthly charge and a monthly contribution are the same money going in opposite directions.
Does cancelling and resubscribing work?
Often, yes. Many services offer a returning-customer discount, and several months without one is a good test of whether it was worth the money.