Subscription Bleed Calculator
Enter all your monthly subscriptions and see exactly what they're costing you per year — and what that money could be worth if invested instead.
Your Subscriptions
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Monthly Total
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Annual Total
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5-Year Total
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10-Year Total
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Opportunity Cost (10 Years @ 7%)
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What your monthly spend would grow to if invested instead
SHAREABLE RESULT
Disclaimer: These results are estimates for informational and educational purposes only. Opportunity cost projections assume a consistent 7% annual return, which is not guaranteed. Past market performance does not predict future results. Full disclaimer →
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Frequently Asked Questions
What is subscription creep?
Subscription creep is the gradual accumulation of monthly services that seem affordable individually but add up significantly. The average American household subscribes to 4–5 streaming services alone, and most people underestimate their total monthly subscription spend by 40–50%.
How is the opportunity cost calculated?
The opportunity cost shows what your monthly subscription spending would grow to if invested in an index fund at 7% annual return over 10 years. It uses the future value of an annuity formula: FV = PMT × [((1+r)^n − 1) / r], where PMT is your monthly spend, r is monthly rate (7%/12), and n is 120 months.
How do I find all my subscriptions?
Check your bank and credit card statements for the past 2–3 months, looking for any recurring charges. Also search your email for receipts. Commonly forgotten: iCloud/Google One storage, app subscriptions, annual memberships, insurance add-ons, news sites, and software licenses.
Which subscriptions should I cut first?
Start with services you haven't used in the past 30 days. Then look for duplicates — two music streaming services, two cloud storage plans. Finally, check if cheaper tiers or annual billing would save money on services you keep. Even cutting $50/month saves $600/year and over $8,000 in 10-year opportunity cost.