Subscription Tracker: What Are You Really Paying?
One $12.99 subscription doesn't feel like much. Six of them, billed on six different days, do - and most people couldn't list all of theirs from memory. This calculator adds them up for you.
Subscription cost calculator
Add every subscription you can think of - see what they actually cost you per month, per year, and over time.
Add your subscriptions to see what they really cost
Want MoneyFlow to catch price hikes and forgotten trials automatically?
This is a one-time snapshot. In the MoneyFlow app, every subscription you add is tracked automatically, with its renewal date and amount - so a price hike or a forgotten free trial shows up before it hits your account, not months later.
Why subscriptions are easy to lose track of
Subscriptions don't show up as one line item - they're scattered across a dozen small charges on different days, in different apps, using different names on your statement than the service you actually signed up for. Each one alone looks small enough to ignore. Added together, they're often one of the biggest categories in a monthly budget - just invisible because no single charge is big enough to notice on its own.
The real cost is the yearly number, not the monthly one
"$9.99/month" is easy to shrug off. "$120/year, for a service you used twice" is not. Reframing every subscription by its annual cost - and what a handful of them add up to over 5 years - makes it much easier to see which ones are actually worth keeping.
Catch renewals before they happen, not after
A one-time list is useful, but subscriptions change - free trials convert, prices go up, services get forgotten. MoneyFlow tracks every subscription alongside your spending, debts, and savings goals, and flags upcoming renewals so you see them coming instead of finding them on a statement.
Frequently asked questions
How much do subscriptions actually cost per year?
More than most people guess - a handful of $10-20/month subscriptions quietly adds up to $500-1,500+ a year. The calculator above totals your exact monthly, yearly, and 5-year cost once you list them out.
Is this subscription tracker free?
Yes, this calculator is free with no sign-up. Tracking your subscriptions automatically, with reminders before renewals and free trials convert, is part of the free MoneyFlow app too.
Do I need to link my bank account to track subscriptions?
No. You can enter every subscription manually, in the calculator above or in the MoneyFlow app - bank linking is never required.
Can MoneyFlow catch subscriptions I forgot about?
MoneyFlow tracks every subscription you add with its billing date and amount, so upcoming renewals show up before they hit your account - instead of finding a forgotten charge a year later.
Subscriptions are one piece of the picture: see what's safe to spend, plan your debt payoff, or track your net worth.
Stop guessing what subscriptions cost you
Free, offline, and ready in under 2 minutes.