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The Ultimate Subscription Cost Calculator

Enter your monthly and yearly subscriptions below to uncover your true annual spend.

Your subscriptions

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Use Quick add for common services, or Custom for anything else.

Total yearly spend

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Add a subscription to see your yearly total.

Per month

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Per day

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All figures in USD. Yearly is exactly 12 × monthly; daily is yearly ÷ 365.

Keep this number honest

This is a snapshot. FinTrackrr keeps every renewal date in one place — no bank login, no ads, free to start.

Start Tracking & Cutting Costs for Free

Why You Need to Calculate Your Subscription Costs

Subscription fatigue is real. Between streaming services, SaaS tools, and monthly boxes, most people underestimate their recurring expenses. This calculator helps you expose the “phantom spend” draining your bank account.

How to Stop Wasting Money on Unused Subscriptions

  • Audit regularly: Write down every recurring charge.
  • Cancel the dead weight: If you haven't used it in 30 days, pause it.
  • Use a dedicated tracker: Spreadsheets break. A privacy-first, manual tracker like FinTrackrr keeps every renewal date in one place without asking for your bank login.

Frequently Asked Questions

What is the average monthly spend on subscriptions?

Most people underestimate it. Annual renewals, forgotten free trials and services billed to a card you rarely check are the usual reasons the real figure is higher than the guess — which is why adding them up, one by one, is the only reliable way to know yours.

How do I find all my hidden subscriptions without linking my bank?

Go through your last 60 days of card and bank statements by hand and highlight every recurring charge, then log each one here. You keep your banking credentials to yourself, and you will usually find two or three you had forgotten.