Annual Subscription Cost Calculator
See what any subscription really costs per year — and over the next 3 and 5 years.
Optional — most subscriptions creep up over time.
Per year
$179.88Over 3 years
$539.64Over 5 years
$899.40Private — runs entirely in your browser. Nothing is sent or stored.
This tool is for education and planning only. It is not financial advice. Your inputs run in your browser and are not stored by Recurrings.
Why the yearly number matters
A subscription is priced to feel small. $14.99 a month barely registers — but it's $179.88 a year, and more once the price creeps up. The yearly figure is the one that actually answers the question you care about: is this worth it?
The 3- and 5-year totals go a step further. They show what a “cheap” plan really costs you over the time you're likely to keep it — which is usually longer than you'd guess.
How this fits into your recurring money
Every subscription is a standing claim on next year's money. Seen one at a time, each is trivial; seen together, annualized, they're often one of the biggest discretionary lines in a budget.
That's the shift Recurrings is built around: instead of doing this math for one subscription at a time, it keeps the annual total for everything that repeats in one place, watches for price increases, and flags renewals before they hit.
The math
yearly cost = price × times billed per year over N years = Σ yearly cost × (1 + annual increase)^(year − 1)
A monthly price is multiplied by 12, a quarterly one by 4, a weekly one by 52 — so any cadence becomes a comparable yearly figure. A $14.99/month plan is $179.88 a year.
If you add an expected annual increase, each future year is grown by that rate before being added up, so the multi-year totals reflect the way subscription prices actually drift upward.
Common questions
Why does the yearly cost look so much bigger?
Because a small monthly charge is easy to wave off, but twelve of them aren't. A $14.99/month plan is $179.88 a year; seeing the annual figure is usually what makes you decide whether it's worth it.
Are annual plans actually cheaper?
Usually 10–20% cheaper per month, but you pay the whole year up front and it's easier to forget to cancel. Compare the real yearly cost both ways before committing — and note the renewal date either way.
What's the price-increase option for?
Subscriptions creep up over time. Adding an expected annual increase shows what the same plan costs you in years two and three, which is often more than the sticker price suggests.
Related free tools
Subscription Cost Calculator
Total your subscriptions into one clear monthly and yearly number.
Subscription Lifetime Cost Calculator
Lifetime cost of a subscription, plus the invested alternative.
Cancel Unused Subscriptions Calculator
What you'd save by cancelling subscriptions you don't use.
Subscription Tracker Template
Copy-paste tracker for subscriptions, costs, and renewal dates.
One number is easy. All of them is the point.
Recurrings totals every subscription's yearly cost automatically — and warns you before each one renews.
recurrings.ai is in private beta. No card required.