Subscription Audit Calculator — How Much Are You Spending?
Quick answer: Add subscriptions and their monthly cost. See annual, 5-year cost, and what you'd have if invested instead.
Add all your subscriptions (Netflix, Spotify, ChatGPT, gym, software, etc.) to see your true total monthly and annual spend. Includes the eye-opening "if you invested this instead" comparison at 7% return over 5 years.
Advertisement
Last reviewed: April 2026Report an error
Your Subscriptions (monthly cost)
Annual Total
$845.64
$70.47/mo × 12 = $845.64/year. Over 5 years: $4,228.2. If invested at 7% instead: $5,045.15 — that's $816.95 of "lost" wealth.
Monthly
$70.47
5-Year Total
$4,228.2
If Invested @7%
$5,045.15
Your top 3 most expensive:
- Gym — $40/mo ($480/year)
- Netflix — $15.49/mo ($185.88/year)
- Spotify — $11.99/mo ($143.88/year)
Advertisement
How to Use This Subscription Audit Calculator
- 1Add each recurring subscription with its monthly cost.
- 2Annual ones: divide by 12.
- 3Read total monthly, annual, and 5-year cost.
- 4Compare to "if invested at 7%" to see opportunity cost.
- 5Cancel anything you don't actively use.
Frequently Asked Questions
- Studies show $200-$300/month is typical for a US household — and most people underestimate by 2-3x because they forget annual subscriptions and don't add up trials that converted to paid.
- Visualizes the opportunity cost. $300/mo invested at 7% becomes $21,500 in 5 years. That's the wealth you could have built instead of paying for streaming services you don't watch.
- No — but rotate subscriptions strategically. If you're not actively using something this month, cancel it. Re-subscribe when you actually need it. Most services don't lose your data.
- List the FAMILY total under one entry. The math should reflect what your household actually pays, not theoretical individual costs.
- Search bank/credit card statements for "renewal," "monthly," and recurring vendor names. Apple ID > Subscriptions and Google Play > Subscriptions show app store auto-renewals.
Advertisement
Related Calculators
</> Embed this calculator on your website
<iframe src="https://calqpro.com/calculators/subscription-audit-calculator" width="100%" height="600" frameborder="0" title="CalQpro Calculator" loading="lazy"></iframe> <p>Powered by <a href="https://calqpro.com">CalQpro</a></p>
Advertisement