Small recurring charges are easy to lose track of individually — annualizing and summing everything in one place makes “subscription creep” visible.
How it works
Monthly-billed subscriptions add up directly; annual-billed ones are converted to their monthly-equivalent cost first. The combined monthly total, multiplied by 12, gives the full annualized cost of everything together.
What this does not include
This aggregates whatever specific subscriptions are entered — it doesn’t discover forgotten subscriptions on its own; that still requires a manual review of bank and card statements.
How to use this calculator
- Enter each monthly subscription amount and any annually-billed subscription.
Frequently asked questions
Why do annualized totals feel more significant than monthly amounts?
Because a $15/month subscription that seems trivial becomes a $180/year commitment once annualized — the framing itself is often what prompts people to cancel unused subscriptions.
How often should a subscription audit be done?
Many people find value in reviewing recurring charges every 6-12 months, since free trials and forgotten sign-ups tend to accumulate steadily over time.
Are annual subscriptions cheaper than monthly?
Often, yes — many services offer a discount for annual billing, though the tradeoff is a larger upfront commitment and less flexibility to cancel if the service turns out to be unused.
