Small recurring charges are easy to overlook when each one is billed separately. You can work out the total without connecting a bank account: review the places where you manage or pay for subscriptions, record what you actually pay, and check the total before deciding what to keep.
Want the answer now? Add your services and prices and see the monthly and yearly total instantly.
Open the subscription cost calculator →1. Find the recurring charges
Start with the last 12 months of bank and card statements, if available. Look for charges that repeat monthly, quarterly, or yearly. Then check other places where a subscription might be billed:
- App Store or Google Play subscription lists
- PayPal or other payment services
- Email receipts and renewal notices
- Streaming, software, cloud storage, fitness, news, delivery, and membership accounts
- Annual renewals that may appear only once in a year
Checking more than one payment method matters. A subscription paid through an app store or a different card may not appear in the statement you first review. Do not count a service twice if the same renewal appears in both an account list and a statement.
2. Record the price and billing schedule
Make a simple list with one row per service. Record the service name, amount charged, billing schedule, next renewal date if known, and whether you still use it. Use the amount on your receipt or account page rather than an advertised starting price.
| Service | Amount charged | Billing schedule | Monthly equivalent | Last used? |
|---|---|---|---|---|
| Video service | $15 | Monthly | $15 | Yes |
| Cloud storage | $120 | Annual | $10 | Yes |
| Fitness app | $36 | Quarterly | $12 | No |
3. Convert each charge to a monthly amount
Use the same time period for every service so the total is comparable:
- Monthly charge: use the full monthly price.
- Annual charge: divide the annual price by 12.
- Quarterly charge: divide the quarterly price by 3.
- Weekly charge: multiply by 52, then divide by 12.
For example, a $120 annual plan is equivalent to $10 per month. A $36 quarterly plan is equivalent to $12 per month. These are budgeting averages; they do not change when the provider actually takes payment. Keep the renewal date and full annual amount visible so an upfront charge does not surprise you.
4. Add the monthly equivalents
Suppose your video service costs $15 per month, cloud storage costs $120 per year, and a fitness app costs $36 each quarter:
- Video: $15 per month
- Cloud storage: $120 ÷ 12 = $10 per month
- Fitness: $36 ÷ 3 = $12 per month
- Combined average: $15 + $10 + $12 = $37 per month
- Estimated cost over 12 months: $37 × 12 = $444
The subscription cost calculator totals monthly and annual plans and shows the monthly average and yearly amount. For a quarterly or weekly charge, convert it to a monthly equivalent before adding it as a custom monthly amount.
5. Decide what to review
The total tells you where to look; it does not decide what is worth keeping. Review each service on its own:
- Do you use it often enough to justify its cost?
- Does another service or plan already cover the same need?
- Is it seasonal, or likely to be needed only for a short project?
- Is an annual payment coming up, and would paying upfront still fit your budget?
- What are the cancellation, renewal, and refund terms shown by the provider?
If you are comparing monthly and annual prices, the monthly vs annual subscription calculator shows the one-year difference and break-even point. An annual plan only saves money if you keep the service long enough, and the upfront payment may matter more than the monthly equivalent.
Repeat the audit when prices change or before a group of annual renewals. Keep the list with your budget so next time you can update it instead of starting from memory. If you would rather see renewals coming automatically, the StillMoney subscription tracker keeps renewal dates in view without a bank login.
Common questions
How do I calculate what I spend on subscriptions each month?
Convert each recurring charge to a monthly equivalent, then add the amounts. Divide annual charges by 12 and quarterly charges by 3. Keep the actual renewal date separately because monthly averages do not show when a full annual payment is due.
How do I calculate my annual subscription cost?
Add the monthly equivalents for all services and multiply the result by 12. For services paid annually, use the actual annual amount when checking the cash you will need at renewal.
What should I check for forgotten subscriptions?
Review statements, app store subscription lists, payment services, email receipts, and renewal notices. Check every card or account you use to pay, and look back far enough to catch annual renewals.
Can I calculate this without linking my bank account?
Yes. You can review statements and account pages yourself, then enter the amounts in a spreadsheet or calculator. StillMoney's subscription calculators do not require a bank connection; the prices you enter stay in your browser.