How it works

Every subscription is converted to a monthly cost, then totalled per month, per year and over ten years.

Monthly cost = weekly × 52 ÷ 12, or quarterly ÷ 3, or yearly ÷ 12

Untick anything you'd cancel to see what you'd save, and what that money would grow to if you invested it instead at 7% a year.

Worked example

The six sample subscriptions cost $96.21 a month: $1,155 a year, or $11,545 over ten years.

Dropping just the second streaming service saves $143.88 a year. Invested monthly at 7%, that grows to $2,075 in ten years.

How to find every subscription

Read two months of statements for your cards and bank accounts. Some charges are quarterly or yearly and easy to forget.
Check your app store subscriptions on your phone. They're often billed there, not by the company.
Search your email for "receipt", "renewal" and "your subscription".
Watch free trials. Put the end date in your calendar the day you sign up.

Questions people ask

Is yearly billing cheaper?

Often, by the equivalent of one or two months. But you pay up front and it's easier to forget the renewal. Switch to yearly only for services you're sure you'll keep.

How do I cancel a subscription that makes it hard?

Try the account settings first, then the app store if you subscribed there. Keep a record of your request. If charges continue after you've cancelled, the FTC suggests disputing them with your card issuer and reporting the company at ReportFraud.ftc.gov or to your state attorney general.

Sources

Reviewed September 24, 2026 by The Dollars World team. How we build and check our calculators. This is general information, not financial advice.