Every subscription, one honest number: what they really cost you per year.
List every subscription — streaming, music, apps, boxes, memberships, cloud storage. Totals update live as you type. Nothing is stored; everything runs in your browser.
The average American household now spends over $200 a month on subscriptions — and studies show people underestimate their subscription spending by more than half. Streaming, music, apps, cloud storage, boxes, memberships: individually they are “just $9.99.” Together, they are often the biggest invisible leak in a budget.
On October 1, 2026, New York City’s “Click to Cancel” rule took effect — the first US city to require that cancelling a subscription be as easy as signing up, with fines starting at $525 per violation for companies that trap customers. The law exists because the trap is real: free trials that quietly convert, cancel buttons buried three menus deep, and “retention offers” designed to wear you down.
This calculator is step one of fighting back: see the real number. Add every subscription above — then run our 20-minute subscription audit to decide what stays and what goes. Most women find $30–80/month on their first audit.
Exactly as accurate as what you enter — it adds everything up and converts it to monthly and yearly totals. The most common mistake is forgetting annual subscriptions (Prime, antivirus, domain renewals), so scan your statements for once-a-year charges too.
There is no magic number, but one rule works: one in, one out. Every new subscription means an old one gets cancelled. And run a 20-minute audit once a year — subscriptions creep back silently.
Usually not. Most services — Netflix, Spotify, Hulu — let you keep access until the end of your paid billing period, so there is no downside to cancelling the moment you decide. Check our cancellation guides for the specifics per service.
Because they are designed that way — it is called a “roach motel” dark pattern: easy to enter, hard to exit. Buried cancel buttons, forced chats, and endless “are you sure?” screens are deliberate. Laws like NYC’s 2026 Click to Cancel rule are starting to push back.