How rekt are your recurring bills?
The “only $9.99” charges add up. Use this subscription cost calculator to see your annual bill, project the total, and estimate what cutting unused plans could save.
The quick formula: annual subscription cost = monthly-billed subscriptions × 12 + annual-billed subscriptions. Add monthly fees × 12 and one-time fees for the first-year total.
Your money, accounted for.
- SUBSCRIPTIONS / YEAR
- FIRST YEAR / INCLUDING FEES
- TOTAL OVER 3 YEAR(S)
- POTENTIAL UNUSED-PLAN SAVINGS / 3 YEAR(S)
Savings exclude fees, refunds, and cancellation penalties. The projected total is before cancellations.
Hit calculate to see your results. Rates are assumed constant, with no inflation or investment return.
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A worked example, not a scare score.
Monthly plans of $45 plus annual plans of $120 cost $660 per year. Add $5 in monthly fees and a $30 one-time fee: the first year is $750. At unchanged prices, three years cost $2,190. If $15 of the monthly-equivalent subscriptions are unused and can be canceled without penalty, potential three-year savings are $540.
The model counts 12 monthly payments per year. It does not predict actual cancellation dates, prorated refunds, price changes, or legal rights. “How rekt” is the name—not a credit score or a financial diagnosis.
Give every renewal a place.
The Don’t Get Rekt Toolkit brings together a subscription tracker, monthly money plan, fee worksheet, and practical checklists.
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Subscription calculator FAQ
How do I convert annual subscriptions to monthly cost?
Divide the annual price by 12. A $120 annual plan equals $10 per month. In this calculator, enter $120 in the annual total and do not also enter $10 in the monthly total.
Can I include unused annual subscriptions?
Yes. Include their full price in the annual subscription total and their price divided by 12 in the unused monthly-equivalent field. Savings assume you can avoid future renewals; they are not a promised refund.
How do you calculate the multi-year total?
(Annual subscription cost + monthly fees × 12) × number of years + one-time fees. The one-time fee is included only once. Potential savings = unused monthly-equivalent cost × 12 × years.
Will canceling everything save the projected amount?
Not necessarily. Verify notice periods, remaining commitments, and replacement costs. Use the result as a planning estimate, then confirm actual cancellation terms with the provider.