Monthly Recurring Expense Calculator
Total every recurring expense — subscriptions, rent, insurance, loans — into one monthly and yearly number.
Total per month
$2,042.00Total per year
$24,504.00Biggest category
Housing
$1,800.00 / month
Private — 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.
What counts as recurring
Everything that comes back on a schedule: rent or mortgage, utilities, insurance, loan and card payments, subscriptions, memberships, tuition. Variable bills like groceries or fuel don't belong here — this is the committed part of your money, the costs that repeat whether or not you think about them.
Tag each one with a category to see where the weight sits. For most people, housing, transport, and insurance dwarf the subscriptions — though the subscriptions are usually the easiest to cut.
How this fits into your recurring money
Your monthly recurring total is the floor your income has to clear before a single discretionary dollar is spent. Knowing it — exactly, not roughly — is the difference between feeling stretched and knowing why.
Recurrings exists to keep that number honest without a spreadsheet: it reads your statements, sorts the recurring charges by category, and updates the total as prices change and new commitments appear.
The math
monthly total = Σ ( amount × times billed per year ) ÷ 12 annual total = monthly total × 12
Every line is normalized to a monthly equivalent first, so a yearly insurance premium sits fairly next to a monthly utility bill. A $1,320/year policy counts as $110/month.
The category breakdown groups those monthly equivalents so the biggest recurring commitment is obvious at a glance — usually the first place worth a second look.
Common questions
What counts as a recurring expense?
Anything that comes back on a schedule — rent or mortgage, utilities, insurance, loan and card payments, subscriptions, memberships. If it bills again without you doing anything, it belongs here.
How is this different from a budget?
A budget covers everything, including one-off and variable spending. This focuses only on the recurring, committed part — the money that's already spoken for before you decide anything else.
Why total it up at all?
Because the recurring number is the floor your income has to clear every month. Seeing it in one figure is usually the moment people find something to cut or renegotiate.
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Your recurring number, always current
Recurrings builds this total from your statements and keeps it live — every recurring charge, every category, automatically.
recurrings.ai is in private beta. No card required.