📺 Subscription Expense Calculator

Small monthly subscriptions add up quietly. See what yours really cost each year — and over 10 years.

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Formula at a glance

Subscription Cost Calculator: Yearly cost — Σ monthly costs × 12. Example: Typical family → You spend on subscriptions: ₹4,548 a month
How the Subscription Cost Calculator works: Yearly cost — Σ monthly costs × 12

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📘 About the Subscription Expense Calculator

A few hundred rupees here and there for streaming, music, cloud storage, gym and delivery memberships can easily reach ₹4,000–5,000 a month for a household, or ₹50,000–60,000 a year. Because they renew automatically, many people forget some of them.

Enter the monthly cost of each subscription (divide yearly plans by 12). The calculator shows the total per day, month, year and decade, your share of income, the saving from cancelling the ones you rarely use, and what the same money would grow to in a SIP.

🧮 Formula

Yearly cost
Σ monthly costs × 12
If invested instead
Future value of a monthly SIP of the same amount

✏️ Worked examples

Typical family

You enter
Currency₹ Indian rupee
Video streaming (Netflix, Prime Video, JioHotstar…)649 a month
Music & podcasts119 a month
Mobile plans (all family phones)1,200 a month
Broadband & DTH800 a month
Cloud storage & apps130 a month
News, magazines & audiobooks0 a month
Gym, fitness & sports apps1,500 a month
Food & grocery delivery memberships150 a month
Gaming0 a month
Software & AI tools0 a month
Other subscriptions0 a month
Share you rarely use (optional)25%
Monthly income (optional)100000
Investment return (for comparison)12%
You get
You spend on subscriptions₹4,548 a month
Per year₹54,576
Per day₹149.61
Over 10 years₹5,45,760 (5.46 lakh)
If invested instead (10 years at 12%)₹10,46,216 (10.46 lakh)
If invested for 20 years₹44,99,133 (44.99 lakh)
Share of your income4.5%
Cancelling the 25% you hardly use saves₹13,644 a year

₹4,548 a month; ₹54,576 a year.

Student

You enter
Currency₹ Indian rupee
Video streaming (Netflix, Prime Video, JioHotstar…)199 a month
Music & podcasts59 a month
Mobile plans (all family phones)299 a month
Broadband & DTH0 a month
Cloud storage & apps35 a month
News, magazines & audiobooks0 a month
Gym, fitness & sports apps0 a month
Food & grocery delivery memberships0 a month
Gaming0 a month
Software & AI tools0 a month
Other subscriptions0 a month
Share you rarely use (optional)0%
Monthly income (optional)0
Investment return (for comparison)12%
You get
You spend on subscriptions₹592 a month
Per year₹7,104
Per day₹19.47
Over 10 years₹71,040
If invested instead (10 years at 12%)₹1,36,183 (1.36 lakh)
If invested for 20 years₹5,85,639 (5.86 lakh)

₹592 a month.

🧭 How to use this calculator

What you enter

  • Currency
  • Video streaming (Netflix, Prime Video, JioHotstar…) (a month)
  • Music & podcasts (a month)
  • Mobile plans (all family phones) (a month)
  • Broadband & DTH (a month)
  • Cloud storage & apps (a month)
  • News, magazines & audiobooks (a month)
  • Gym, fitness & sports apps (a month)
  • Food & grocery delivery memberships (a month)
  • Gaming (a month)
  • Software & AI tools (a month)
  • Other subscriptions (a month)
  • Share you rarely use (optional) (%)
  • Monthly income (optional)
  • Investment return (for comparison) (%)

What you get

  • You spend on subscriptions
  • Per year
  • Per day
  • Over 10 years
  • If invested instead (10 years at 12%)
  • If invested for 20 years

💡 Cut subscription costs

  • Cancel UPI autopay mandates you no longer need.
  • Share family plans for music, cloud and video.
  • Rotate streaming services — subscribe to one at a time.
  • Use free tiers and bundled offers from your mobile or broadband plan.

❓ Frequently asked questions

How do I find all my subscriptions?

Check your bank and credit card statements, UPI autopay mandates (in your UPI app), and the subscriptions list in the Google Play or Apple App Store settings.

Is a yearly plan cheaper?

Usually 15–40% cheaper than paying monthly — but only if you will use it all year. For services you use now and then, pay monthly and cancel between uses.

What is a reasonable amount to spend on subscriptions?

Many budgets keep entertainment and subscriptions within 5% of take-home pay.