Subscription cost calculator
Yearly cost = monthly subscriptions × 12 + annual renewals. Ten services at $12 a month plus a $99 renewal is $1,539 a year, or $128 a month. Enter yours below.
Start with the free tool. For the real numbers from your own statement, analyze a statement PDF.
Calculate your monthly and annual subscription cost
List each subscription with its price, add yearly renewals separately, and the calculator shows the total per month and per year.
Manual recurring-cost stack
Enter the subscriptions and memberships you already know about. The full product is what finds the ones you forgot.
Yearly memberships, renewal fees, or annual plans.
Subscription spend
$126/mo
Monthly services plus annual fees.
Biggest visible recurring line.
Why upgrade after this
From remembered subscriptions to the full recurring-charge scan
If the total is already painful, the next move is obvious: upload the statement and scan for every recurring charge automatically, including the services you forgot and the renewals that do not look like obvious subscriptions.
- Every transaction from the real file
- Category totals and repeat charges
- Export to Excel or CSV
Fast enough for a first pass
Each tool does one job: a clean estimate, not a stand-in for a full statement analysis.
Built for recurring spend
Turns a handful of harmless-feeling monthly charges into a visible annual total.
Annual view included
Includes annual renewals so the real cost does not get hidden by monthly-only math.
Find the ones you forgot
When you can't remember them all, the recurring charges finder reads them from your statement.
When it helps
This tool is strongest when the problem is known recurring spend, not discovery.
Anyone doing a subscription audit
Households trimming expenses
Budget resets
People who suspect hidden waste
Why recurring costs feel smaller than they are
Subscriptions usually do not hurt because one charge is large. They hurt because the stack looks harmless line by line and expensive in aggregate.
Monthly pricing hides annual impact
A $9 or $19 service feels trivial until it sits next to ten others and rolls up into a yearly number that competes with real savings goals.
Annual renewals distort the picture
A service billed once a year often disappears from memory for eleven months, then suddenly lands as a surprise hit when renewal season comes around.
The emotional threshold is lower than the financial one
People cancel when they feel annoyed, not when the math first becomes bad. This tool helps make the math visible before that point.
What manual subscription math usually misses
This calculator is good for the services you can name. The hard part is discovering the charges that no longer feel top-of-mind.
Merchant names do not always look obvious
A recurring charge can appear under a payment processor, parent company, or shortened descriptor instead of the brand you think you are paying.
Trials and add-ons turn into background noise
Small upgrades, family plans, and forgotten app subscriptions rarely get tracked manually, even though they accumulate into real monthly drag.
The statement is better at discovery than memory
Once you inspect the real file, patterns become visible: same-day repeats, near-monthly charges, and services that are still alive long after you stopped using them.
Guides that go deeper
The tool gives the quick read. These guides explain the thresholds and what documents are expected.
Subscription cost calculator: questions & answers
How do I calculate the total cost of my subscriptions?
Multiply each monthly subscription by 12, add every annual renewal once, and add the results. Divide the yearly total by 12 to get the real monthly cost. Example: $15.99 + $9.99 + $49 a month is $899.76 a year; with a $99 yearly renewal it is $998.76, or about $83 a month.
How do I convert an annual subscription to a monthly cost?
Divide the yearly price by 12. A $120 annual plan costs $10 a month; a $239.88 annual software licence costs $19.99 a month. Weekly charges: multiply by 52, then divide by 12.
What does this subscription calculator do?
It totals the recurring services and memberships you already know about, then rolls them into a monthly and annual cost so the true burn rate is obvious.
Why would I still need the recurring charges finder?
Because this tool only counts the services you remember. The recurring charges workflow scans the statement and finds the ones you forgot or did not realize were still active.
Can this include annual renewals?
Yes. There is a separate annual-fee input so yearly renewals still show up in the total cost picture.
Something else on your mind? Write to contact@mybankstatementanalysis.com.