Subscription Cost Calculator UK – Find Your Monthly Subscription Spend

Add up recurring subscriptions such as streaming, music, fitness, apps, software and memberships. See the monthly and annual cost, then explore what the same monthly amount could grow to over time at an illustrative investment return.

What is a subscription leak?

A subscription is not automatically a waste of money. A service you use frequently and value can be perfectly reasonable spending. The problem is recurring payments that continue after you stop using them, duplicate services, introductory offers that become expensive, or several individually small subscriptions that no longer fit your budget.

This calculator is designed to make the total visible. £10 here and £15 there can feel insignificant when viewed separately; seeing the combined monthly and annual figure makes it easier to decide which subscriptions are genuinely worth keeping.

How to audit your subscriptions

Check more than the apps installed on your phone. Review bank and credit-card statements, PayPal recurring payments, Apple or Google subscriptions, Amazon memberships, streaming accounts, software, cloud storage, gym memberships and annual renewals. Annual subscriptions can be converted to a monthly equivalent by dividing the yearly price by 12.

Then separate them into three simple groups: services you actively use and value, services you could downgrade or rotate, and services you can cancel. The aim is not to cancel everything; it is to stop paying automatically for things you no longer choose to buy.

What does the investment projection mean?

The opportunity-cost section asks a hypothetical question: if you stopped spending the selected monthly amount and instead invested the same amount every month, what might it grow to at the return you enter?

The calculator assumes monthly contributions made at the end of each month and a constant annual return compounded monthly. This is only a mathematical illustration. Real investment returns are uncertain, can be negative, charges and tax may apply, and past performance does not guarantee future results.

At £100 a month for 10 years and an assumed 6% annual return compounded monthly, the future-value estimate is about £16,388 if contributions are made at the end of each month. The supplied version produced roughly £16,470 because its formula treats each monthly contribution as being made at the beginning of the month. Neither timing convention is a promised investment outcome.

Subscription audit example

Suppose you pay £15 a month for video streaming and £11 for music. Together that is £26 a month or £312 a year. Over ten years you would pay £3,120 if the prices never changed. If £26 were instead invested monthly for ten years at an illustrative constant 6% annual return, the mathematical future value would be around £4,260–£4,280 depending on contribution timing.

Ways to reduce recurring costs without cancelling everything

• Rotate streaming services rather than keeping several active throughout the year.
• Check whether a family or household plan genuinely costs less for eligible users.
• Set a reminder before free trials and discounted introductory periods end.
• Review annual renewals before the payment date rather than after the money leaves.
• Check whether two subscriptions provide substantially the same benefit.
• Re-audit recurring payments every few months as prices and usage change.

Track bills and renewal dates

If recurring bills are difficult to keep on top of, our Bills & Renewal Dashboard is designed to keep renewal dates and household bills together rather than relying on memory.

View the Bills & Renewal Dashboard →

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Calculator reviewed: 5 October 2026. Investment growth figures are hypothetical illustrations only and are not forecasts or personalised investment advice.