Subscription Cost Calculator & Tracker

Track every subscription in one place. See your monthly, yearly and daily cost, renewal calendar, 12-month charge forecast, budget and the subscriptions worth cancelling.

Built and maintained by Shehzad Munir ·

Estimates only, not financial, tax or investment advice. Results depend on the figures you enter and on rules that change; check with a qualified professional before making decisions.

Subscription Cost Tracker
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<a href="https://www.toolnova.org/finance-tools/subscription-cost-calculator">Subscription Cost Tracker</a> by ToolNova

APA

ToolNova. (2026, October 5). Subscription Cost Tracker [Online tool]. https://www.toolnova.org/finance-tools/subscription-cost-calculator

MLA

“Subscription Cost Tracker.” ToolNova, 5 Oct. 2026, www.toolnova.org/finance-tools/subscription-cost-calculator.

See what your subscriptions really cost

Add every subscription you pay for — streaming, software, music, cloud, gym, AI tools — and instantly see your true monthly, yearly, weekly and daily cost. Get a category donut breakdown, a 12-month spend forecast that lands annual renewals in their real month, and smart insights that flag free trials, low-use cancel candidates and how much switching to annual plans could save. Set a budget, pause subscriptions without deleting them, and back everything up as CSV or JSON. No account, no login: your list stays in your browser.

It's easy to lose track when subscriptions bill on different cycles — a $15 monthly plan and a $139 yearly plan aren't comparable at a glance. This tracker normalizes every subscription to a true monthly and yearly figure, then adds a per-day number that makes the total feel real. Most people are surprised how much a handful of small charges add up to over a year.

Features

  • 40+ popular services to add in one click
  • Weekly, monthly, quarterly, 6-month and yearly billing
  • Monthly, yearly and daily totals, split-plan shares
  • Renewal calendar and next-charge reminders
  • 12-month forecast based on real renewal dates
  • Budget tracking and hours-of-work cost
  • Savings insights: unused, duplicate and monthly-vs-annual
  • Export renewals to Google, Apple or Outlook calendar (.ics), CSV, JSON backup

How to use Subscription Cost Tracker

  1. 1

    Add each subscription

    Enter the service name, price, billing cycle, category and next renewal date — or one-tap the Quick-add presets for popular services.

  2. 2

    Review your totals

    See your normalized monthly, yearly, weekly and per-day spend update instantly, and set a monthly budget to track against it.

  3. 3

    Explore breakdown & forecast

    Use the category donut and 12-month forecast to see where your money goes and which months annual renewals hit.

  4. 4

    Act on the insights

    Rate how much you use each sub, flag free trials, and let the insights surface cancel candidates and annual-plan savings.

  5. 5

    Back up your list

    Export a CSV or JSON backup to move your list between devices, or import one to restore it.

Common use cases

  • Add up the real cost of all your streaming and software subscriptions
  • Spot free trials and annual renewals before they charge
  • See which category (streaming, software, music) costs you most
  • Find low-use subscriptions worth cancelling
  • Check how much switching to annual plans would save
  • Track your subscription spend against a monthly budget
  • Track a household's shared subscriptions in one place

Detailed guide

Catch price creep and forgotten trials

The upcoming-renewals list sorts your subscriptions by their next charge date and highlights anything renewing within a week, so free trials and annual renewals never sneak up on you. The category breakdown shows where your money actually goes — often one category quietly dominates — making it obvious what to trim first.

Private, no account needed

Unlike subscription-management apps that require you to sign up or link your bank, this tool keeps everything on your device. Your list auto-saves to your browser's local storage, so it's there when you return, but it is never uploaded to a server, synced, or shared. That's a real privacy advantage when the data is a full picture of your spending.

Frequently asked questions

How do I calculate how much I spend on subscriptions?

Convert every subscription to a monthly cost (yearly ÷ 12, weekly × 52 ÷ 12) and add them up. Add your services here and the calculator does it automatically, showing monthly, yearly and daily totals.

How much does the average person spend on subscriptions?

Surveys regularly find people underestimate their subscription spending by more than half, with typical households paying well over $100 a month across streaming, music, software, cloud storage and memberships. Listing them all is the fastest way to find savings.

Can I get reminders before a subscription renews?

Yes. Export your renewals as an .ics file and import it into Google Calendar, Apple Calendar or Outlook. Each renewal repeats on its billing cycle with a reminder two days before.

How do I track free trials?

Mark a subscription as a free trial and set the first charge date. It is flagged in the list and insights so you can cancel before you are charged.

Is annual billing cheaper than monthly?

Usually. Many services discount annual plans by about 15–20%, roughly two months free. The insights tab estimates what switching your monthly plans to annual would save.

How do I split a family plan?

Edit the subscription and set how many people share it. Totals then show your share, while the full price is still shown for reference.

Which subscriptions should I cancel?

Rate how much you use each one. Anything at two stars or less is listed with the yearly saving from cancelling, along with categories where you pay for several similar services.

Does it show when charges hit my account?

Yes. The calendar shows each renewal on its date and the 12-month forecast shows the real amount charged each month, including annual renewals.

Can I back up or move my list?

Yes. Download a JSON backup and restore it on another device, or export a CSV for a spreadsheet.

Is my data private?

Yes. Your list is stored only in your browser. Nothing is uploaded or linked to an account.

How does it handle subscriptions billed yearly or weekly?

Every subscription is normalized to a monthly cost: a yearly plan is divided by 12, a weekly plan is multiplied by 52 and divided by 12, and quarterly by 4 over 12. That way a $139/year plan and a $15/month plan sit side by side accurately in your totals and category breakdown.

Do I need to create an account or link my bank?

No. You enter subscriptions manually and nothing is connected to your bank or any account. This keeps your full spending picture private — a key difference from subscription-management apps that require signup or bank access.

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