Free tool
Subscription cost calculator
Small monthly amounts hide big yearly totals. Add your subscriptions — or tap the presets — and see the real cost per month, per year, and over five years.
Why five years?
A $15.49 subscription reads as pocket change; $929 over five years reads as a decision. Most people who audit their subscriptions cancel at least one — the average household carries several they'd forgotten about. Upload a statement and StatementDecoder will find yours automatically, including the ones billing under names you don't recognise.
Why monthly prices are designed to look small
Subscription pricing leans on a well-studied bias: we judge affordability by the monthly number and rarely multiply. 12.99 a month reads as pocket change; 155.88 a year reads as a decision. Stack five or six services — streaming, storage, fitness, news, a forgotten app — and the yearly total routinely lands near a four-figure sum without any single purchase ever feeling significant.
The five-year view is even more clarifying for anything you're 'temporarily' keeping. A 15.99/month service you keep meaning to cancel costs roughly 959 over five years — enough to compare against a real alternative, like buying the thing outright or switching to an annual plan at a discount.
How to use the numbers this calculator gives you
Sort your list by yearly cost, not monthly price — the order often surprises. Then apply a simple rule to each line: keep (used weekly), downgrade (used monthly — check for a cheaper tier or annual discount), pause (seasonal services like sports streaming), or cancel (didn't use it last month). Annual-plan discounts typically run 15–20%, which is worth taking only for the keeps.
If you don't know what you're actually subscribed to — the usual situation — work from your bank statement rather than memory. Upload a statement to the analyzer and it detects recurring charges across name variations and drifting billing dates, including trials that quietly converted.
The subscriptions almost everyone forgets
The same handful of charges show up in nearly every 'where did my money go' review: a second streaming service you signed up for to watch one show, cloud storage that crept from free to paid when your phone filled up, a gym or fitness app from a January you'd rather forget, a news or productivity app bought during a trial, and box or delivery subscriptions on a cadence you stopped noticing. None of them is large. Together they're the difference between the total you'd guess and the total that's real.
The reason they survive is that nothing prompts a review. The charge is small, the billing date drifts, and the descriptor rarely says the brand you remember. Working from a statement rather than memory is the only reliable way to surface them.
Frequently asked questions
How does it calculate yearly cost from a monthly price?
Monthly price × 12 for the yearly figure and × 60 for five years. For weekly subscriptions it uses × 52, and for annual subscriptions it divides by 12 to show the effective monthly cost.
What counts as a subscription worth reviewing?
A useful rule of thumb: anything you didn't consciously use in the last month, any duplicate (two music or two storage services), and anything priced above its annual-plan equivalent.
How do I find subscriptions I've forgotten about?
Check your bank statement, not your memory — forgotten subscriptions hide behind unfamiliar descriptors and app-store billing. The statement analyzer detects recurring charges automatically, with yearly cost and next expected charge for each.
Do annual plans always save money?
Only for services you're confident you'll keep. The typical 15–20% discount is wiped out the moment you stop using the service in month three — pay monthly for anything on trial in your life.
How much does the average person spend on subscriptions a year?
Most people underestimate their own total by roughly half — surveys repeatedly find real annual spend landing in the several-hundreds to low-thousands once every app, streaming service and membership is counted. The gap between guess and reality is the point of totalling them.
How do I cancel a subscription I can't find?
Find the exact charge on your statement first — the descriptor names the biller even when the app doesn't. If it's billed through Apple or Google, cancel it in the App Store or Play Store subscriptions screen, not the app itself.
Stop paying for forgotten things
Find every subscription on your statement in one upload
StatementDecoder detects recurring charges across name variations and drifting billing dates — with yearly costs, next-charge estimates and flags for trials that converted. Free account, no card required.
No bank logins · card numbers redacted before storage · everything deleted after 24 hours
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