Finance tool
Subscription cost calculator
Add up memberships and renewals to see what your recurring spend really costs over a full year.
Start with the free manual tool. If you want the real document view after that, analyze a statement PDF.
Free tool
Price the recurring stack you already know about
The free calculator handles the subscriptions you can name from memory. The paid recurring-charges flow exists for the harder problem: finding the ones memory misses.
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.
That turns into $1,692 per year once annual renewals are added.
Monthly services plus annual fees.
Biggest visible recurring line.
This tool only prices the subscriptions you remember. The recurring-charges flow is the useful next step when you want the statement scanned for hidden renewals, card-on-file services, and recurring merchants you forgot existed.
Natural next step
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.
What it gives you
Fast enough for a first pass
Each tool is intentionally narrow. The job here is a clean estimate, not a fake replacement 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.
Natural conversion path
Naturally hands off to the recurring-charges finder, because the hard part is discovery.
When it helps
This tool is strongest when the problem is known recurring spend, not discovery.
Anyone doing a subscription audit
Useful when you already know some of the services but want to see what they add up to over a year.
Households trimming expenses
Good for showing whether the recurring-cost stack is trivial or quietly expensive.
Budget resets
A simple bridge from money-content traffic into the actual recurring-charges product flow.
People who suspect hidden waste
Often the first step before scanning the real statement for everything they missed.
Deeper context
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.
Deeper context
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.
Supporting guides
Read the article version if you want more context
The tool gives you the quick read. These posts explain the thresholds, use cases, and document expectations behind the result.
FAQ