Subscription Cost Calculator
Add up all your monthly subscriptions and see the shocking true cost over years. Includes opportunity cost of not investing.
Enter Your Values
Using shared profile · 3,500/mo · EUR — edit on Dashboard
Results update automatically as you change values.
What-If Scenarios
Results update instantlyCost Breakdown
Monthly Cost by Subscription
Click chart to expand
Spent vs If Invested
Click chart to expand
Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Remove 40% of subscriptions
At stated values
15% annual price increases
Compare Scenarios
Pin up to 3 and see them side by sideSet your inputs, then Pin current to save this scenario. Pin a few variations to compare their scores and outcomes here.
What Moves the Needle Most
How much each factor changes your Monthly Total across its full range. Sub 1 cost has the biggest impact.
Focus your attention on Sub 1 cost — getting it right matters most. Factors lower down move the result less, so rough estimates there are fine.
Confidence & Assumptions
The result swings widely between best and worst cases — it depends heavily on assumptions that are hard to predict.
Annual Savings: €16,563 (worst) → €816 (expected) → €326 (best)
These are the estimates the result depends on. Adjust them (and the Advanced inputs) to match your real situation — the closer they are to reality, the more reliable your decision.
These estimates are for informational purposes only and do not constitute financial advice. Actual results may vary based on factors not captured in this calculator.
How This Calculator Works
What this calculator does
This calculator totals your monthly subscriptions and projects the cost over years, showing the opportunity cost of not investing that money instead.
How the calculation works
We sum all monthly subscription costs, multiply by 12 for annual cost, project over the time period with inflation, and compare to what you would have if you invested the same amount at 7% return.
Formula
Monthly Total = Σ subscription costs Annual = Monthly × 12 Lifetime = Annual × years × (1 + inflation/2) If Invested = Annual × [((1.07)^years - 1) / 0.07]
Example
€68/month in subscriptions = €816/year = €11,714 over 10 years (with inflation). If invested at 7%, that would grow to €14,285. You lose €2,571 in opportunity cost.
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for Subscription Cost Calculator. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
We sum all monthly subscription costs, multiply by 12 for annual cost, project over the time period with inflation, and compare to what you would have if you invested the same amount at 7% return.
- 3Review results and scenarios
Check metrics, cost breakdown, comparison tables, and best / expected / worst scenarios. Use sliders to stress-test assumptions.
- 4Decide with the verdict
Read the decision engine recommendation and FAQ. Example: €68/month in subscriptions = €816/year = €11,714 over 10 years (with inflation). If invested at 7%, that would grow to €14,285. You lose €2,571 in opportunity cost.
Factors to Consider
- Most people underestimate how many subscriptions they have
- Annual plans often save 15-20% vs monthly
- Family plans can cut per-person cost significantly
- Subscriptions silently increase prices over time
- Unused subscriptions are pure waste — audit them regularly
Common Mistakes
- Forgetting about subscriptions you never use
- Not noticing annual price increases
- Paying monthly when annual is cheaper
- Not sharing family plans when possible
- Underestimating the long-term cost
Frequently Asked Questions
How much do subscriptions typically cost?+
The average person has 3-5 paid subscriptions totaling €50-150/month. Many have subscriptions they have forgotten about.
What is opportunity cost?+
The return you give up by spending money instead of investing it. €68/month invested at 7% becomes €14,285 in 10 years.
This calculator provides estimates for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making important financial decisions.
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