Subscription Cost Calculator
Most people guess they spend about $80/month on subscriptions. The real average is over $200. Find your real number in 60 seconds.
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This is only what you REMEMBER paying for.
The average person has at least one subscription they forgot about. Spendalyst connects to your bank and shows every recurring charge on your statements — including the ones you stopped noticing. Free for 14 days, no credit card.
Find my forgotten subscriptionsHow much does the average person spend on subscriptions?
Surveys have consistently found that people underestimate their subscription spending by two to three times. When asked to guess, most people land somewhere around $80–$100 a month. When they actually add it all up — the streaming stack, the app-store charges, the fitness apps, the AI tools — the real total usually sits somewhere in the low-to-mid hundreds.
The reason is simple: software, fitness, entertainment, news, and even food delivery have all shifted to recurring billing. Costs creep in at $10–$20 a month, each one small enough to ignore, but a dozen of them together quietly become a car payment. And because the charges happen automatically, they almost never get reviewed.
How to cut subscription costs
- Audit your statements every quarter. Open the last 90 days of your bank and credit card statements and highlight every recurring charge. This is the fastest way to find hidden subscriptions you forgot were still active.
- Try the cancel-then-resubscribe test. If you can cancel a subscription and not miss it for a month, you don't need it. Most services will happily let you resubscribe — often with a discount to win you back.
- Check annual vs monthly pricing. For services you're sure you'll keep all year, annual plans are usually 15–20% cheaper. For anything you might cancel, stay on monthly. And read our deeper piece on how hidden subscriptions are costing you thousands.
Frequently asked questions
How much does the average person spend on subscriptions per month?
Surveys consistently find the average consumer spends somewhere between $200 and $270 per month on recurring subscriptions — and underestimates that number by 2–3x when asked to guess. When you total them up honestly, most people are shocked.
What subscriptions do people most often forget about?
The usual culprits are free trials that quietly converted to paid, annual renewals that hit once a year, app-store subscriptions buried in phone settings, and duplicate streaming services signed up for a specific show and never cancelled.
Is this calculator free?
Yes — completely free, no signup, no email required. Nothing you enter here is saved or sent anywhere. It runs entirely in your browser.
How do I find subscriptions I forgot about?
Scan the last 90 days of your bank and credit card statements for recurring charges — anything that repeats on roughly the same day each month. Or use a tool like Spendalyst that scans your transactions automatically and surfaces every recurring charge.
Should I pay monthly or annually for subscriptions?
Annual billing is almost always cheaper per month — often 15–20% less. But only commit to annual for services you're confident you'll use for the full year. Keep anything you might cancel on monthly, so a single change of mind doesn't cost you a year's worth of fees.