What do all those recurring charges cost per year?
Annual subscription cost
$2,075
Tip. Audit once a year and cancel anything you have not used in 90 days.
Explore the numbers
Start with a scenario, then read the response curve to see which input actually moves the answer.
Example 1
A couple of streaming services and one annual plan.
Annual subscription cost
$540
Example 2
Streaming, music, cloud storage, a gym, and one annual software renewal.
Annual subscription cost
$2,075
Example 3
What a few years of unaudited signups tends to look like.
Annual subscription cost
$4,160
Sweeps monthly subscriptions total from half to one and a half times your value, holding everything else fixed.
Response curve
Annual subscription cost
$2,075
Rolls weekly, monthly, and annual subscriptions into one yearly total, plus a monthly and daily equivalent, so small recurring charges stop hiding from the budget.
Annual = monthly × 12 + weekly × 52 + annual plans
If your bills include tax, use the charged amount. Otherwise this is the pre-tax list price and your real total is higher.
Search a full year of card and bank statements rather than the last month. Annual renewals are the ones people miss, and they are usually the biggest single line.
Annual billing is usually 15 to 20% cheaper, but only for services you are certain you will keep. Paying a year upfront for something you cancel in month three is the expensive outcome.
No. They are educational estimates based on the inputs and assumptions on this page. Confirm important decisions with a qualified professional and your own documents.
The questions people usually ask next.