What do your subscriptions add up to?
See recurring spending over 5, 10 and 20 years. Then, only if you choose, explore a hypothetical alternative use for selected payments.
Uses your chosen currency, not local tax or investment rules. Changing region changes the currency label only; it does not convert amounts. Starting rows are fictional examples.
How the maths works
Annual spending = weekly payments × 52 + monthly × 12 + quarterly × 4 + annual payments. Monthly average = annual spending ÷ 12. Long-term spending assumes unchanged subscriptions and prices, with no cancellations.
Optional redirection uses only checked payments and assumes equal contributions at each month’s end. Net annual return = (1 + gross return) × (1 − annual fee) − 1. Monthly rate r = (1 + net annual return)^(1/12) − 1. Future value = monthly contribution × ((1+r)^months − 1) ÷ r; at zero r it equals contributions. Today’s-money value = future value ÷ (1 + inflation)^years.
No taxes, transaction charges or changes in payment size are included. There is no guaranteed saving unless spending actually stops, and some contracts have minimum terms or cancellation charges. Selected payments do not imply a recommendation to cancel a service or invest the money. All assumptions are visitor-entered, not current market forecasts. Method checked 30 October 2026.