# Subscription Cost Calculator

> Add up your monthly subscriptions and see the yearly, 5- and 10-year cost plus what that money could grow to at a return you choose. No bank link.

Page: https://freecalculator.tech/tools/subscription-cost-calculator
Last reviewed: 2026-11-03

## Formula

Monthly total = sum of subscriptions. Invested value = monthly × ((1 + r)^m − 1) ÷ r, with r = yearly return ÷ 12 and m = months (future value of an ordinary annuity, monthly compounding).

- Prices are assumed to stay the same; real subscriptions often rise.
- Monthly total = sum of subscriptions. Invested value = monthly × ((1 + r)^m − 1) ÷ r, with r = yearly return ÷ 12 and m = months (future value of an ordinary annuity, monthly compounding).
- Inputs used: Subscription 1 per month, Subscription 2 per month (blank = none), Subscription 3 per month (blank = none), Subscription 4 per month (blank = none), Subscription 5 per month (blank = none), Subscription 6 per month (blank = none), Subscription 7 per month (blank = none), Subscription 8 per month (blank = none), and other shown inputs.

## Inputs

- Subscription 1 per month
- Subscription 2 per month (blank = none)
- Subscription 3 per month (blank = none)
- Subscription 4 per month (blank = none)
- Subscription 5 per month (blank = none)
- Subscription 6 per month (blank = none)
- Subscription 7 per month (blank = none)
- Subscription 8 per month (blank = none)
- Yearly return if invested instead
- Currency (symbol only, never converted)

## Worked example: Four subscriptions at 7%

15.49 + 11.99 + 20 + 9.99 = 57.47 a month; 689.64 a year; about 4,114.90 if invested monthly for 5 years at 7%.
1. Monthly = 57.47; yearly = 689.64.
2. r = 0.07 ÷ 12; m = 60.
3. FV = 57.47 × ((1 + r)^60 − 1) ÷ r ≈ 4,114.90.

## Common questions

### Do I need to link a bank account?

No. Type the amounts; nothing leaves your browser.

### What return should I use?

Your own assumption. Returns are never guaranteed and no figure is preset.

### I pay some yearly. What do I enter?

Divide the yearly price by 12 and enter that.

### How do I use the Subscription Cost Calculator?

Enter the required values for Subscription 1 per month, Subscription 2 per month (blank = none), Subscription 3 per month (blank = none), Subscription 4 per month (blank = none), Subscription 5 per month (blank = none), and the other fields shown. The calculator applies the formula on this page and shows the main result with any supporting breakdown so you can check the arithmetic.

### What formula does the Subscription Cost Calculator use?

Monthly total = sum of subscriptions. Invested value = monthly × ((1 + r)^m − 1) ÷ r, with r = yearly return ÷ 12 and m = months (future value of an ordinary annuity, monthly compounding). The visible formula section above lists the calculation path and the edge cases the page handles, so the result can be checked without relying on the form alone.

### Can the Subscription Cost Calculator be used for exact decisions?

Use it as a calculation aid, not as a substitute for checking the underlying rule, contract, policy, or professional advice that applies to your situation. When a result depends on local rules, personal details, prices, or dates, enter those values yourself and confirm them before acting.

## Limitations and assumptions

- Prices and returns are assumed constant.
- Ignores taxes and fees on investments.
- Up to eight subscriptions; combine small ones if you have more.
- An estimate built only from the figures you enter. It is not financial, tax, legal or employment advice, and real costs, taxes and returns vary.
- The result depends on the values you enter for this subscription cost calculator; it does not supply missing rates, rules, prices, dates, or assumptions for you.

## Sources

- OpenStax — https://openstax.org/books/principles-finance/pages/7-5-annuities

## Cite this page

- APA: Free Calculator. (2026, November 3). Subscription Cost Calculator. https://freecalculator.tech/tools/subscription-cost-calculator
- MLA: "Subscription Cost Calculator." Free Calculator, 3 Nov. 2026, https://freecalculator.tech/tools/subscription-cost-calculator.
- Link: Subscription Cost Calculator — Free Calculator, https://freecalculator.tech/tools/subscription-cost-calculator