Everyday Spends
Subscriptions
Track subscription costs
About the Subscriptions calculator
Free Subscription Cost Tracker to calculate total monthly and yearly costs of all your streaming, app, and digital subscriptions. Manage Netflix, Spotify, and other recurring services efficiently.
How the maths works
Subscription Cost Formula
Total Cost = Σ(Individual Subscription × Billing Frequency)- Total Cost
- Combined cost of all subscriptions
- Individual Subscription
- Cost of each service
- Billing Frequency
- How often you're charged (monthly, yearly, etc.)
A worked example
Digital Subscriptions
| Netflix | ₹649/month |
| Spotify | ₹119/month |
| Amazon Prime | ₹1,499/year |
Monthly total: ₹893, Yearly: ₹10,715
How to use it
- Add all your subscriptions
- Set cost and billing frequency
- Categorize by service type
- View total monthly/yearly costs
- Identify savings opportunities
What it accounts for
- Track unlimited subscriptions
- Multiple billing cycles (weekly, monthly, yearly)
- Category-wise breakdown
- Popular service quick-add
- Cost optimization suggestions
Why it is worth working out
- Control subscription spending
- Identify unused services
- Budget recurring expenses
- Optimize subscription portfolio
Questions people ask
Why do subscriptions add up so quietly?
Because each renewal is small, automatic, and invisible — no decision is made, so nothing prompts a review. Eight services at ₹299 a month is ₹28,700 a year, which nobody would agree to as a single annual payment.
How do I decide what to cancel?
Look at the last sixty days of actual use, not intent. Anything you have not opened in that window is a candidate. The reliable test is whether you would resubscribe today at full price, knowing what you now know.
Are annual plans worth it?
Only for services you have already used consistently for several months. An annual plan on a service you are still evaluating converts a small recurring mistake into a large one-off mistake.
What is the real cost of a subscription over time?
₹500 a month for ten years is ₹60,000 spent — or about ₹1.15 lakh if the same amount had been invested at 12%. That is not an argument against subscriptions; it is an argument for knowing which ones you would defend at that price.
Read more on this
- Your UPI history is a better budget than any app you have tried — UPI made paying effortless, and effortless paying made overspending invisible. A 30-minute audit of your last three months of transactions will show you where ₹8,000 to ₹15,000 a month goes without a receipt.
- Subscription creep — the spending category designed to be forgotten — Recurring charges are optimised to stay below the threshold at which you would cancel them. The average household is paying for several it does not use.
This calculator is for information and education. It is not financial advice — see the disclaimer.